In case you are in search of a top class shuttle rewards bank card, two fashionable choices are more likely to pop up for your seek: the Chase Sapphire Reserve® (see charges and costs) and the Capital One Project X Rewards Credit score Card.
Those playing cards range when it comes to annual charges, incomes charges and advantages. And, in fact, each and every earns issues or miles in its personal forex. You can gather Chase Final Rewards issues with the Sapphire Reserve, whilst you can earn Capital One miles with the Project X.
Whether or not you might be weighing a transfer from one way to the opposite or in a position to practice in your first top class card, both can be a forged selection, relying in your objectives and spending conduct. Let’s analyze the main points of each and every to lend a hand you make a decision whether or not the Capital One Project X or the Chase Sapphire Reserve is the cardboard for you.
Capital One Project X vs. Chase Sapphire Reserve comparability
Here is what to understand in regards to the playing cards to start with look.
| Characteristic | Capital One Project X | Chase Sapphire Reserve |
|---|---|---|
|
$395 |
$795 |
|
|
Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. |
Earn 150,000 bonus issues after spending $6,000 on purchases within the first 3 months from account opening. |
|
|
Purchases that qualify for the once a year $300 shuttle credit score won’t earn issues. |
|
|
|
|
|
Plus, you’ll be able to liberate those advantages after spending $75,000 or extra in a calendar 12 months:
|
*Upon enrollment, obtainable during the Capital One site or cell app, eligible cardholders will stay at that standing point during the length of the be offering. Please word, enrolling during the commonplace Hertz Gold Plus Rewards enrollment procedure (e.g., at hertz.com) won’t robotically locate a cardholder as being eligible for this system, and cardholders may not be robotically upgraded to the appropriate standing tier. Further phrases practice.
Capital One Project X vs. Chase Sapphire Reserve welcome be offering
New Project X cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening.
TPG’s Might 2026 valuations position Capital One miles at 1.85 cents apiece, making this welcome be offering value $1,388.
In the meantime, new Sapphire Reserve cardholders can earn 150,000 bonus issues after spending $6,000 on purchases within the first 3 months from account opening.
TPG’s Might 2026 valuations position Chase Final Rewards issues at 2.05 cents apiece, making this welcome be offering value $3,075.
Praise your inbox with the TPG Day by day e-newsletter
Sign up for over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s professionals
Chase Final Rewards issues are reasonably extra treasured than Capital One miles, partially on account of Chase’s high-value switch companions.
Winner: Sapphire Reserve. Its welcome bonus is value extra.
Capital One Project X vs. Chase Sapphire Reserve advantages
Each playing cards be offering a $300 annual shuttle credit score, however there are key variations to imagine. The Project X‘s shuttle credit score is not bendy, as you need to ebook via Capital One Trip to obtain it.
In the meantime, the Sapphire Reserve‘s credit score is more uncomplicated to make use of, because it robotically applies to any shuttle acquire as much as $300 and does not require reserving immediately with Chase.
The credit score at the Sapphire Reserve can quilt the entirety from tolls to parking meters to global subway fares. Moreover, with the Sapphire Reserve, you obtain more than one credit, together with two up-to-$250 credit for pay as you go resort remains of a minimum of two nights made via The Edit and an as much as $150 biannual credit score for Sapphire Reserve Unique Tables booked via OpenTable.
On the subject of front room get entry to, each playing cards be offering a Precedence Cross club. This grants get entry to to over 1,800 lounges for the cardholder and as much as two visitors.
Each issuers also are actively increasing their very own front room networks.
5 Capital One lounges and two Capital One Landings are these days open. Chase has its personal rising community of airport lounges, with 8 lounges these days open.
Each playing cards include ancillary advantages, such because the Sapphire Reserve’s more than a few DoorDash perks and IHG One Rewards Platinum Elite standing (each advantages via Dec. 31, 2027) and the Project X’s complimentary Hertz President’s Circle standing, which won’t essentially transfer the needle for potential candidates.
Nonetheless, those perks are all value profiting from if you make a decision to use for both card.
With the Project X, you can get a ten,000-mile anniversary bonus each and every 12 months for each and every cardholder anniversary.
Moreover, each playing cards are Visa Countless playing cards and supply high-level shuttle and buy protections.
Winner: Sapphire Reserve. Its advantages and remark credit supply virtually triple the price of the Project X.
Incomes rewards with the Capital One Project X vs. the Chase Sapphire Reserve
Each playing cards earn ultra-flexible rewards currencies. The Project X earns:
- 10 miles consistent with greenback spent on inns and automotive leases booked via Capital One Trip
- 5 miles consistent with greenback spent on flights and holiday leases booked via Capital One Trip
- 2 miles consistent with greenback spent on all different purchases
In the meantime, the Sapphire Reserve earns:
- 10 issues consistent with greenback spent on Peloton apparatus and accent purchases of $150 or extra (via Dec. 31, 2027; most of fifty,000 issues)
- 8 issues consistent with greenback spent on purchases made via Chase Trip℠, together with The Edit
- 5 issues consistent with greenback spent on Lyft rides (via Sept. 30, 2027)
- 4 issues consistent with greenback spent on flights and inns booked immediately
- 3 issues consistent with greenback spent on eating international
- 1 level consistent with greenback spent on the entirety else
Increased incomes charges on flights and inns booked immediately and Chase Trip purchases practice most effective after laborious the $300 annual shuttle credit score.
In line with TPG’s valuations, the Project X gives an 18.5% go back on inns and apartment vehicles booked via Capital One’s portal, whilst the Sapphire Reserve returns 16.4% on purchases via Chase Trip.
The Project X gives simplicity with 2 miles consistent with greenback spent on all different purchases. The Sapphire Reserve gives upper returns in positive classes, together with 4 issues consistent with greenback spent on inns and flights booked immediately and three issues consistent with greenback spent on eating purchases.
Widespread vacationers will most likely earn extra with the Sapphire Reserve’s bonus classes than they’re going to with the Project X’s flat-rate incomes construction.
Winner: Sapphire Reserve. It gives bonus profits in classes past shuttle portal bookings.
Redeeming rewards with the Capital One Project X vs. the Chase Sapphire Reserve
Essentially the most treasured choice for redeeming with both the Capital One Project X or the Sapphire Reserve is moving issues or miles to shuttle companions. Then again, that is not the one means to make use of your rewards on both card.
Capital One miles and Chase Final Rewards issues can each be used for flat-rate redemptions on each and every respective issuer’s shuttle portal.
With the Chase Sapphire Reserve, your issues can most often be used to ebook shuttle immediately via Chase Trip at a price of as much as 2 cents consistent with level, relying at the card and the precise redemption, with the Issues Spice up function (see your rewards program settlement for complete main points).
With make a selection inns, your issues may also be value as much as 2.5 cents consistent with level via this option.
Whilst this usually is not as rewarding as moving your issues to Chase’s switch companions, this redemption choice comes in handy if in case you have bother discovering award house.
In the meantime, the Project X gives fixed-rate shuttle redemptions at simply 1 cent consistent with mile — and whilst this will also be carried out to any shuttle acquire charged to the cardboard, it is nonetheless a particularly decrease charge than what you’ll be able to get with the Sapphire Reserve.
Each the Project X and the Sapphire Reserve additionally be offering much less profitable redemption choices, reminiscent of present playing cards and money again.
Winner: Sapphire Reserve. Redeeming your rewards for shuttle is as much as 50% extra profitable than with the Project X.
Moving rewards with the Capital One Project X vs. Chase Sapphire Reserve
Moving rewards to shuttle companions is one of the best ways to maximise the ones hard earned issues and miles.
Each Chase and Capital One be offering an excellent record of switch companions, making redeeming rewards the most suitable option.
With the Sapphire Reserve, you’ll be able to switch your Final Rewards issues at a easy 1:1 ratio.
Alternatively, the Capital One miles program has companions that switch at a 1:1 ratio for essentially the most phase, however a few exceptions switch at a much less favorable ratio.
Chase has 14 airline and resort switch companions, which come with Air Canada Aeroplan, Air France-KLM Flying Blue and United MileagePlus, to call a couple of.
In the meantime, Capital One has 15-plus switch companions. Some notable names come with Avianca Lifemiles, Etihad Visitor and Turkish Airways Miles&Smiles.
TPG bank cards editor Olivia Mittak up to now transferred 87,500 Chase issues to Global of Hyatt for 10 nights at more than a few homes throughout Germany.
You’ll be able to additionally benefit from switch bonuses to get most price.
Winner: Tie. Regardless of Capital One having extra switch companions, no longer all transfers happen at a 1:1 ratio.
Must I am getting the Capital One Project X or the Chase Sapphire Reserve?
When you price broader incomes doable and a versatile shuttle credit score, the Sapphire Reserve is a great selection. However if you happen to favor paying a decrease annual rate and incessantly shuttle out of an airport with a Capital One Front room, the Project X is most likely the simpler card for you.
Base line
Each the Capital One Project X Rewards Credit score Card and the Chase Sapphire Reserve have their very own strengths and weaknesses, and it truly comes down for your choice on what advantages are helpful to you or no longer.
Then again, for a a lot more manageable annual rate, virtually part of the Sapphire Reserve, the Project X is an out of this world providing — if you do not thoughts the use of the shuttle portal to liberate lots of the advantages at the card.
For individuals who like to ebook immediately with shuttle suppliers and wish extra remark credit and advantages, the Chase Sapphire Reserve is most likely the simpler choice for you, although it comes with the next $795 annual rate.
To be informed extra, take a look at our complete critiques of the Project X and the Sapphire Reserve.
Be informed extra: Capital One Project X Rewards Credit score Card
Follow right here: Chase Sapphire Reserve
For Capital One merchandise indexed in this web page, one of the most advantages is also equipped by way of Visa® or Mastercard® and might range by way of product. See the respective Information to Advantages for main points, as phrases and exclusions practice.
