Skip to content
Roaming Cactus

Updated

Compare Travel Credit Cards Side by Side

By Joe

Compare up to three credit cards side by side. The table lists the annual fee, authorized user fee, foreign transaction fee, welcome offer, earn rates, credits, lounge access, transfer partners, protections, and notes for the cards you select. Every figure shown links to the issuer's own page and shows the date it was last checked.

Choose up to 3 cards

Cards to compare

Choose at least two cards.

Side-by-side comparison: fees, earn rates, credits, lounges

Comparing Chase Sapphire Reserve vs Venture X Rewards.

Canonical guide: Chase Sapphire Reserve vs Venture X Rewards

Open this comparison on its own page

Side-by-side card fields.
FieldChase Sapphire ReserveVenture X Rewards
Annual fee

$795

Source

$395

Source

Authorized user fee

$195

Source

$0

Source

Foreign transaction fee

$0

Source

$0

Source

Welcome offer

Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. Chase says offers may vary by where you apply. This offer is not subtracted from the annual fee.

Chase Sapphire Reserve page

75,000 bonus miles after you spend at least $4,000 in three months. The compare page starts those three months at account opening. The account terms start them at the rewards membership enrollment date. You are not eligible if you received a new Venture X cardmember bonus in the past 48 months. This offer is not subtracted from the annual fee.

Venture X account terms

Earn rates
  • 8x on Chase Travel (incl. The Edit)

    Source

  • 4x on Flights booked direct with airlines

    Source

  • 4x on Hotels booked direct

    Source

  • 3x on Dining worldwide (incl. takeout and delivery)

    Source

  • 1x on All other purchases

    Source

  • 10x on Hotels and rental cars via Capital One Travel

    Source

  • 5x on Flights and vacation rentals via Capital One Travel

    Source

  • 5x on Capital One Entertainment

    Source

  • 2x on All other purchases

    Source

Credits
Lounge access

Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges

Source

Primary cardholders: complimentary Capital One Lounges and Landings plus Priority Pass (enrollment required). Additional cardholders do not have complimentary access and may buy lounge access separately. Guest access is paid; high spenders may receive limited free guests.

Source

Transfer partners
  • AerClub (Aer Lingus)

    Source

  • Aeroplan (Air Canada)

    Source

  • Flying Blue (Air France/KLM)

    Source

  • British Airways Club

    Source

  • Iberia Club

    Source

  • JetBlue TrueBlue

    Source

  • KrisFlyer (Singapore Airlines)

    Source

  • Rapid Rewards (Southwest)

    Source

  • MileagePlus (United)

    Source

  • Flying Club (Virgin Atlantic)

    Source

  • IHG One Rewards

    Source

  • Marriott Bonvoy

    Source

  • World of Hyatt

    Source

  • Wyndham Rewards

    Source

  • Aeromexico Rewards: 1:1

    Source

  • Air Canada Aeroplan: 1:1

    Source

  • Avianca Lifemiles: 1:1

    Source

  • British Airways Club: 1:1

    Source

  • Cathay Pacific Asia Miles: 1:1

    Source

  • Emirates Skywards: 2:1.5

    Source

  • Etihad Guest: 1:1

    Source

  • EVA Air Infinity MileageLands: 2:1.5

    Source

  • Finnair Plus: 1:1

    Source

  • Flying Blue (Air France/KLM): 1:1

    Source

  • Japan Airlines Mileage Bank: 2:1.5

    Source

  • JetBlue TrueBlue: 5:3

    Source

  • Qantas Frequent Flyer: 1:1

    Source

  • Qatar Airways Privilege Club: 1:1

    Source

  • Singapore Airlines KrisFlyer: 1:1

    Source

  • TAP Miles&Go: 1:1

    Source

  • Turkish Airlines Miles&Smiles: 1:1

    Source

  • Virgin Red: 1:1

    Source

  • Choice Privileges: 1:1

    Source

  • Wyndham Rewards: 1:1

    Source

  • I Prefer Hotel Rewards: 1:2

    Source

  • Accor Live Limitless: 2:1

    Source

Protections
  • Trip cancellation/interruption: Up to $10,000 per traveler and $20,000 per trip

    Source

  • Trip delay: Up to $500 per traveler (6+ hours)

    Source

  • Primary auto rental coverage: Up to $75,000

    Source

  • Purchase protection: Up to $10,000 per item (120 days)

    Source

  • Extended warranty: +1 year

    Source

  • Lost luggage: Up to $3,000

    Source

  • Baggage delay: Up to $100 per day for 5 days

    Source

  • Travel accident: Up to $1,000,000

    Source

  • Emergency evacuation: Up to $100,000

    Source

  • Trip delay: Up to $500 per ticket (6+ hours)

    Source

  • Trip cancellation/interruption: Up to $2,000 per person

    Source

  • Auto rental collision damage waiver: Up to $75,000 actual cash value

    Source

  • Purchase protection: Up to $10,000 per claim (90 days)

    Source

  • Extended warranty: +1 year

    Source

  • Cell phone protection: Up to $800 per claim ($50 deductible, 2 claims per year)

    Source

  • Return protection: Up to $300 per item and $1,000 per year

    Source

Notes
  • Chase prints a $195 annual fee for each authorized user. That fee is not added to the total, which is for the basic card.

Issuer page

  • Capital One's lounge terms say lounge access for an additional cardholder is $125 a year. The same terms say you can add a user without lounge access at no fee. Neither amount is in the total below.
  • Venture X pays 10,000 bonus miles each year starting with the first anniversary. Capital One does not print a dollar value for those consumer miles. The "equal to $100 toward travel" line on the compare page is for Venture X Business, a different card. Use the points box if you want to assign your own dollar value.

Issuer page

How to compare travel credit cards

Pick the cards you want to review. The tool lets you compare up to three at once. Choose them from the list and the table updates with one column for each card.

Read the rows from top to bottom. Start with the fees if cost matters most: the annual fee, the authorized user fee, and the foreign transaction fee. Move next to the welcome offer and the earn rates. Then look at the credits, lounge access, transfer partners, and protections.

Check the source dates that appear with every figure. When a detail could not be confirmed on the issuer's page, the cell shows a dash rather than a guess. Welcome offers change often and some are targeted to individual applicants. When an issuer doesn't publish one public offer, the tool doesn't show a number and points you to the issuer page instead.

Once the numbers are clear, open the full vs guide for any popular pair that has its own comparison page. Read the full vs guide for who each card suits.

Pair the tool with Roaming Cactus's monthly points valuations and points value calculator to judge what the points are worth. To look at more than three cards, run several comparisons.

FAQ

Which travel card has the best lounge access?

Amex Platinum has the broadest lounge access among these cards: Global Lounge Collection with access to over 1,550 airport lounges: Centurion Lounges, 10 Delta Sky Club visits when flying Delta, Priority Pass (enrollment required), and select partner lounges. Sapphire Reserve: Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges Venture X: Primary cardholders: complimentary Capital One Lounges and Landings plus Priority Pass (enrollment required). Additional cardholders do not have complimentary access and may buy lounge access separately. Guest access is paid; high spenders may receive limited free guests. Amex Platinum: Global Lounge Collection with access to over 1,550 airport lounges: Centurion Lounges, 10 Delta Sky Club visits when flying Delta, Priority Pass (enrollment required), and select partner lounges Amex Gold: The American Express Gold Card does not currently have lounge access benefits. United Club Card: United Club membership for you and a guest; All Access membership unlocks at Premier Gold status or $50,000 in annual card spend Cards without a lounge access row in this tool: Sapphire Preferred, Venture Rewards.

Which travel card has the lowest annual fee?

The lowest annual fees listed are Sapphire Preferred ($95) and Venture Rewards ($95). Fees range up to $895 on the cards in the table.

Is Sapphire Reserve or Venture X better?

Sapphire Reserve carries a $795 annual fee; Venture X carries $395. Earn rates: Sapphire Reserve — 8x on Chase Travel (incl. The Edit), 4x on Flights booked direct with airlines, 4x on Hotels booked direct, 3x on Dining worldwide (incl. takeout and delivery), 1x on All other purchases; Venture X — 10x on Hotels and rental cars via Capital One Travel, 5x on Flights and vacation rentals via Capital One Travel, 5x on Capital One Entertainment, 2x on All other purchases. Lounge access: Sapphire Reserve — Complimentary Chase Sapphire Lounges by The Club with up to 2 guests; Priority Pass Select membership to 1,300+ lounges with up to 2 guests ($27/additional guest); select Air Canada Maple Leaf Lounges; Venture X — Primary cardholders: complimentary Capital One Lounges and Landings plus Priority Pass (enrollment required). Additional cardholders do not have complimentary access and may buy lounge access separately. Guest access is paid; high spenders may receive limited free guests. Read the full Chase Sapphire Reserve vs Venture X Rewards guide for who each card suits.

Can I compare more than 3 cards?

The tool compares up to three cards at a time using the comparison table on this page. To look at more than three, run several comparisons. Keep your favorite in one slot and swap the others so you can check each new card against the ones you already prefer. Each comparison still shows the source dates and links to the issuer pages. After you narrow the set, open the full vs guides for the pairs that matter most. Pair the results with Roaming Cactus's monthly points valuations and points value calculator to judge what the points are worth across the cards you keep.