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Capital One Vs. Chase Credit Cards

Capital One Vs. Chase Credit Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Mar 26, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Whether you’re looking to get a credit card that offers cash back, travel rewards, or a balance transfer offer, Capital One and Chase offer a variety of cards to choose from, each with their own benefits to consider. No need to spend your time hunting down all the information — we’ve done the work for you.

Below you’ll find detailed information on the credit cards Capital One and Chase have to offer, so you can choose the best card for your needs. Here’s an overview of the two credit card issuers and what they offer.

At a glance: Capital One vs. Chase

  • Customer satisfaction. The J.D. Power 2018 Credit Card Satisfaction StudySM ranked Chase as the fourth highest-performing credit card issuer for interaction, credit card terms, communication, benefits and services, rewards, and key moments. Capital One came in fifth place.
  • Card offerings. Chase offers more high-end cards for people with good or excellent credit. Capital One offers more options for people with average credit and for people trying to rebuild their credit.
  • Added card perks. The Chase Ultimate Rewards® Program offers more options for redeeming points and maximizing value, as well as synergies for people who hold multiple Chase rewards credit cards. Capital One doesn’t offer these benefits.
  • Free credit score. Both cards offer your free VantageScore 3.0 provided by TransUnion.

Credit card comparisons

Capital One and Chase both provide several credit cards that offer different benefits depending on what type of perks you’re looking for. We organized our recommendations based upon how you plan on using the card.  Note: Each issuer has multiple cards in the following categories; we listed our top picks.

Capital One Chase
Cash back Capital One Quicksilver Cash Rewards Credit Card Chase Freedom Unlimited®
Intro 0% APR options Capital One VentureOne Rewards Credit Card Chase Slate®
Travel Capital One Venture Rewards Credit Card Chase Sapphire Preferred® Card
New to credit / rebuilding Capital One Platinum Secured Credit Card N/A
Student Journey Student Rewards from Capital One N/A
Small business Capital One Spark Cash for Business Ink Business Cash® Credit Card

If you’re looking to complete a balance transfer or want to finance new purchases, it’s a good idea to use a card offering an introductory 0% APR period. Capital One and Chase both offer cards with intro 0% APR periods on purchases and balance transfers. Chase has an intro balance transfer offer with the Chase Slate®, which has a coveted intro balance transfer fee of $0 for the first 60 days that your Account is open, after that, either $5 or 5% of the amount of each transfer, whichever is greater.  The Capital One VentureOne Rewards Credit Card comes with 0% intro on purchases for 15 months and after that 14.99% - 24.99% (Variable).

Cards with travel rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

  • 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

See additional details for Chase Sapphire Preferred® Card

More Info

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

See additional details for Chase Sapphire Reserve®

More Info

Chase outshines Capital One with its travel rewards cards — Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. These cards offer 25% and 50% more value for your points, respectively, when points are redeemed for travel via Chase Ultimate Rewards. They also both come with a variety of travel insurances. However, these cards both have annual fees: $95 for the Chase Sapphire Preferred® Card and $550 for the Chase Sapphire Reserve®.

Capital One also offers two travel-centric cards — Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card — but they lack the unique perks of Chase cards. While these cards don’t allow you to maximize points redeemed for travel, they can be more beneficial for consumers who don’t want to pay a hefty annual fee and look for simple, streamlined rewards redemption. The Capital One VentureOne Rewards Credit Card has a $0 annual fee, while the Capital One Venture Rewards Credit Card’s annual fee is $95 – see how our staff compensates for these.

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel

  • 2 Miles per dollar on every purchase, every day

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Highlights
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees

See additional details for Capital One Venture Rewards Credit Card

More Info

  • 1.25 Miles per dollar on every purchase, every day

  • 0% intro on purchases for 15 months

  • 14.99% - 24.99% (Variable)

Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that

See additional details for Capital One VentureOne Rewards Credit Card

More Info

Cards for building or rebuilding credit

Capital One offers a secured card, the Capital One Platinum Secured Credit Card, that can help you build or rebuild credit. This $0 annual fee card can be a great stepping stone for achieving a good credit score. Plus, the minimum security deposit can be lower than the typical $200, the deposit will be $49, $99 or $200. Unfortunately, Chase does not offer a secured card.

Cards for students

Another area where Capital One has a card and Chase does not is student cards. The Journey Student Rewards from Capital One card offers students the chance to establish credit while in college in addition to earning rewards. Cardholders earn 1% cash back on all purchases; 0.25% cash back bonus on the cash back you earn each month you pay on time. This ability to earn a 25% bonus is a great incentive for students to practice the important behavior of paying bills on time.

Cards for small businesses

Capital One carries five small business cards, compared to Chase, which has two cards. Business owners with less than stellar credit may have better chances of qualifying for a Capital One business card, versus one from Chase, since the credit requirements are more lenient. For example, the Capital One® Spark® Classic for Business requires fair/limited, while the Ink Business Cash® Credit Card requires excellent credit.

  • 0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable

  • Earn $750 bonus cash back

  • Earn 5% cash back in select business categories

Highlights
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • 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 purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

See additional details for Ink Business Cash® Credit Card

More Info

Bottom line

Chase and Capital One have a variety of cards for consumers to consider. While there is no straightforward answer to which card issuer is better, there are certain gaps in each issuer’s card offerings. If you want a student card or secured card, you’ll need to look at Capital One. If you’re looking for a luxury travel card, Chase will have offers that Capital One lacks. When deciding between a Capital One card or a Chase card, focus less on the issuer and more on the perks the card offers. Make sure the card has benefits that can provide long-term value.

The Capital One Spark Cash for Business card may no longer be available.

The information related to the Chase Slate® has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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