| Capital One | Chase | |
|---|---|---|
| Customer satisfaction* | Ranks third among U.S. issuers* | Ranks fourth among U.S. issuers* |
| Best for |
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| Added card perks | Better lounge access | Stronger travel protections, higher point value, more benefits from having multiple Chase cards |
| Free credit score | VantageScore 3.0 provided by TransUnion with CreditWise | VantageScore 3.0 provided by Experian with Credit Journey |
| Point value | Around 1 cent (when redeemed through Capital One Travel) | Around 1.25 to 1.5 cents (when redeemed through Chase TravelSM) |
| Point flexibility | 15+ travel partners, mostly at a 1:1 transfer ratio (no domestic airlines) | 10+ travel partners, all at a 1:1 transfer ratio (including three domestic airlines) |
When it comes to luxury travel, both the Capital One Venture X Rewards Credit Card and Chase Sapphire Reserve® are elite cards. But the Capital One Venture X Rewards Credit Card card has a few more perks than the Chase Sapphire Reserve®:
| Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve® | |
|---|---|---|
| Rewards rate | 2X Miles per dollar on every purchase, every day; 10X Miles per dollar on hotels and rental cars booked through Capital One Travel; 5X Miles per dollar on flights and vacation rentals booked through Capital One Travel | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. |
| Sign-up bonus | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. |
| Annual fee | $395 | $550 |
| Travel credits |
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| Travel protections |
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| Lounge access | Priority Pass, Capital One Lounges and the Partner Lounge Network | Priority Pass™ Select unlimited lounge access |
| Foreign transaction fees | None | None |
| Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | |
|---|---|---|
| Rewards rate | Earn 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
| Sign-up bonus | Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. |
| Annual fee | $95 | $95 |
| Travel credits | Up to $120 Global Entry or TSA PreCheck credit | $50 annual Ultimate Rewards Hotel Credit |
| Travel protections |
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| Foreign transaction fees | None | None |
| Capital One Quicksilver Cash Rewards Credit Card | Chase Freedom Unlimited® | |
|---|---|---|
| Rewards rate | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. |
| Sign-up bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. |
| Annual fee | $0 | $0 |
| Intro APR (purchases) | 0% intro on purchases for 15 months* | 0% Intro APR on Purchases for 15 months |
| Regular APR | 19.24% - 29.24% (Variable) | 19.74% - 28.49% Variable |
| Capital One Savor Cash Rewards Credit Card | Chase Slate Edge℠ | |
|---|---|---|
| Intro APR (purchases) | 0% intro on purchases for 15 months | 0% Intro APR on Purchases for 18 months. |
| Intro APR (balance transfers) | 0% intro on balance transfers for 15 months | 0% Intro APR on Balance Transfers for 18 months. |
| Regular APR | 19.24% - 29.24% (Variable) | 19.74% – 28.49% Variable |
| Balance transfer fee | Balance transfer fee applies. | Either $5 or 5% of the amount of each transfer, whichever is greater in the first 60 days. After, either $5 or 5% of the amount of each transfer, whichever is greater. |
| Rewards rate | 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases | N/A |
| Sign-up bonus | $200 Cash Back after you spend $500 on purchases within 3 months from account opening | N/A |
| Annual fee | $0 | $0 |
| Capital One Quicksilver Secured Cash Rewards Credit Card | Chase Freedom Rise℠ Credit Card | |
|---|---|---|
| Credit needed | Limited / Poor | Good / Excellent |
| Rewards rate | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. |
| Sign-up bonus | N/A | Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time. |
| Annual fee | $0 | $0 |
| Security deposit | $200 minimum refundable deposit | No security deposit required |
| Capital One Savor Student Cash Rewards Credit Card | |
|---|---|
| Rewards rate | 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases |
| Annual fee | $0 |
| Sign-up bonus | Earn $50 Cash Back when you spend $100 in the first three months |
| Capital One Spark Cash Plus | Ink Business Cash® Credit Card | |
|---|---|---|
| Rewards rate | Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel. | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. |
| Annual fee | $150 | $0 |
| Sign-up bonus | Earn $2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. | Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. |
| Intro APR (purchases) | N/A | 0% Intro APR on Purchases for 12 months |
| Regular APR | N/A | 17.74% - 25.74% Variable |
| Employee cards | Free | Free |
Compare all Capital One credit cards.
Compare all Chase credit cards.
The Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card are both solid credit cards for luxury travel rewards. The Chase Sapphire Reserve® offers more valuable points and better dining rewards, but the Capital One Venture X Rewards Credit Card offers better lounge access. If you don’t plan to transfer points, the Capital One Venture X Rewards Credit Card is the better card.
No, Capital One rewards are available as long as your account is open. So if you close your Capital One account, you’ll lose your rewards
No, Chase Ultimate Rewards points don’t expire as long as you keep your credit card account open. Similar to Capital One, if you close your account before redeeming or transferring rewards, you’ll lose them.
No, Chase doesn’t offer secured credit cards. It doesn’t offer any credit cards geared toward people with anything lower than a fair credit score. So if you’re looking for a credit card to build credit from either Chase or Capital One, the Capital One Quicksilver Secured Cash Rewards Credit Card is your best bet.
By most standards, Chase is a better credit card issuer than Capital One overall. Chase offers more valuable and flexible rewards points and more high-end credit cards than Capital One does. Capital One has a higher customer satisfaction rating. Depending on your spending habits, travel preferences, credit score and more, a Capital One credit card may be a better fit for you.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Capital One Venture X Rewards Credit Card, Chase Sapphire Reserve®, Capital One Venture Rewards Credit Card, Chase Sapphire Preferred® Card, Capital One Quicksilver Cash Rewards Credit Card, Chase Freedom Unlimited®, Capital One Savor Cash Rewards Credit Card, Chase Slate Edge℠, Capital One Quicksilver Secured Cash Rewards Credit Card, Chase Freedom Rise℠ Credit Card, Capital One Savor Student Cash Rewards Credit Card, Capital One Spark Cash Plus, Ink Business Cash® Credit Card, Wells Fargo Active Cash® Card and Prime Visa has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
