Sapphire Reserve vs Venture X
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Sapphire Reserve | Venture X |
|---|---|---|
| Annual fee | $550 | $395 |
| Welcome bonus (est.) | $1,260 | $750 |
| Dining | 6% | 2% |
| Groceries | 2% | 2% |
| Gas | 2% | 2% |
| Travel | 6% | 2% |
| Online shopping | 2% | 2% |
| Entertainment | 2% | 2% |
| Transit | 2% | 2% |
| Everything else | 2% | 2% |
| Net rewards / yr | $297 | $116 |
The verdict: Sapphire Reserve vs Venture X
On a typical US spending profile, the Sapphire Reserve comes out ahead — about $181 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Sapphire Reserve: ~$847 in rewards before fees. Venture X: ~$511 before fees.
Reviews & calculators
Sapphire Reserve review · Venture X review · Sapphire Reserve calculator · Venture X calculator · Interactive compare
Frequently asked questions
- Is Sapphire Reserve or Venture X better?
- On a typical US spending profile, Sapphire Reserve delivers about $181 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Sapphire Reserve vs Venture X?
- Sapphire Reserve: $550/year. Venture X: $395/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.