Originally Posted by
obongo
I've had the Chase Sapphire Reserve card for 4+ years and use all of the benefits. But $150 a year saving is nothing to scoff at particularly if the benefits are the same.
There are plenty of sites like the points guy that compare the cards side by side.
But I'm interested in material differences in practice. I use the card mainly for traveling and consumer protection.
For Traveling. It seems the benefits are very similar but there are operational differences. For example I was at Denver airport and noted that the Priority Plus restaurants did NOT accept Capital One Venture X but did accept chase. Anything else I should be aware of?
For consumer protection. I've have been pleasantly surprised by Chase's consumer protection. They replaced a faulty $5K oven, a stolen $1K ring and the travel insurance was great. Are the Capital One Venture x protections in practice similar and most importantly do you get the run-around (never had this with Chase) when you file claims.
Any differences in actual operations appreciated!
As you note, the Reserve lounge benefits are head and shoulder above the VX.
But IMO the biggest difference between the two is the annual $300 travel credit. With the VX you get a $300 coupon for purchasing travel through the C1 travel portal. With the Reserve you get a statement credit for anything that codes as travel, and Chase has a pretty broad definition of "travel".
I can pretty much get the entire $300 each year in bits and pieces on just trains, buses, taxis, Uber/Lyft, toll roads, and parking, without ever having to book a flight, hotel room, or rental car [even though I usually do at least one of those things].
The 50% UR boost and 3x on other travel and dining is gravy.