Capital One Vs. Chase Credit Cards

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 Study^SM 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.

Cards with cashback rewards

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Capital One^® Quicksilver^® Cash Rewards Credit Card

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(2,821) Over the Past 60 Days!

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• Rewards Rate

  Unlimited 1.5% Cash Back on every purchase, every day

• Intro APR

  0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months

• Cash Back Details

  No minimums for redeeming and cash back won't expire for the life of the account

Highlights

• One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

• 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
• 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• Pay no annual fee or foreign transaction fees

See additional details for Capital One^® Quicksilver^® Cash Rewards Credit Card

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Chase Freedom Unlimited^®

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(429)

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• Introductory APR

  0% for 15 months on purchases and balance transfers

• Sign-up Bonus

  $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.

• Regular APR

  16.49% - 25.24% Variable

Highlights

• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Earn unlimited 1.5% cash back on all purchases.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
• 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5

• No annual fee
• No minimum to redeem for cash back
• Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited^®

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Capital One offers two cards geared towards foodies

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Capital One^® SavorOne^® Cash Rewards Credit Card

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(103) Over the Past 60 Days!

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• Rewards Rate

  3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

• Sign Up Bonus

  Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

• Cash Back Details

  No minimums for redeeming and cash back won't expire for the life of the account

Highlights

• Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
• 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that

• 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
• No foreign transaction fee
• No annual fee

See additional details for Capital One^® SavorOne^® Cash Rewards Credit Card

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Capital One^® Savor^® Cash Rewards Credit Card

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(125) Over the Past 60 Days!

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• Rewards Rate

  4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

• Sign-up Bonus

  Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

• Cash Back Details

  No minimums for redeeming and cash back won't expire for the life of the account

Highlights

• Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
• Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

• No foreign transaction fees
• Capital One cardholders get access to premium experiences in dining, entertainment and more
• $0 intro annual fee for the first year, $95 after that

See additional details for Capital One^® Savor^® Cash Rewards Credit Card

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Chase offers a 5% bonus cashback card

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Chase Freedom^®

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(97) Over the Past 60 Days!

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• Sign up Bonus

  Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

• Introductory APR

  0% Intro APR on purchases and balance transfers for 15 months

• Regular APR

  16.49% - 25.24% Variable

Highlights

• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• Unlimited 1% cash back on all other purchases - it's automatic
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.

• 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
• No annual fee
• Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
• Free credit score, updated weekly with Credit Journey?

See additional details for Chase Freedom^®

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Cards with intro 0% APR offers

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Capital One^® VentureOne^® Rewards Credit Card

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(293) Over the Past 60 Days!

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• Rewards Rate

  1.25 Miles per dollar on every purchase, every day

• Intro Purchase APR

  0% intro on purchases for 12 months

• Regular Purchase APR

  13.49% - 23.49% (Variable)

Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
• Earn 1.25X miles on every purchase, every day
• Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime

• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Transfer your miles to over 12 leading travel loyalty programs
• Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that

See additional details for Capital One^® VentureOne^® Rewards Credit Card

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Chase Slate^®

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(0) Over the Past 60 Days!

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• Intro Purchase and Balance Transfer APR

  0% Intro APR on Purchases and Balance Transfers for 15 months*

• Balance Transfer Fee

  $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.

• Regular Purchase APR

  16.49% - 25.24% Variable

Highlights

• 0% Intro APR for 15 months on purchases and balance transfers. After that, 16.49% - 25.24% variable APR.
• $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
• Free credit score, updated weekly with Credit Journey ℠

• No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
• No annual fee

See additional details for Chase Slate^®

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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 12 months and after that 13.49% - 23.49% (Variable).

Cards with travel rewards

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Chase Sapphire Preferred^® Card

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(304) Over the Past 60 Days!

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• Bonus Rewards

  60,000 bonus points

• Rewards Rate

  2X points on travel and dining

• Bonus Perks

  1:1 point transfer to leading airline and hotel loyalty programs

Highlights

• Earn 60,000 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®
• 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other 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

• No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021.
• Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

See additional details for Chase Sapphire Preferred^® Card

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Chase Sapphire Reserve^®

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(59) Over the Past 60 Days!

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• Sign Up Bonus

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

• Rewards Rate

  3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

• Extra Perks

  One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

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
• 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
• 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

• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
• Up to $100 application fee credit for Global Entry or TSA Pre✓®
• One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

See additional details for Chase Sapphire Reserve^®

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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®.

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Capital One^® Venture^® Rewards Credit Card

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(504) Over the Past 60 Days!

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• Bonus Miles

  One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel

• Rewards Rate

  2 Miles per dollar on every purchase, every day

• Extra Perks

  Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights

• Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
• Earn 2X miles on every purchase, every day.
• Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
• Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs

• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Named ‘The Best Travel Card' by CNBC, 2018
• No foreign transaction fees
• $0 intro annual fee for the first year; $95 after that

See additional details for Capital One^® Venture^® Rewards Credit Card

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Capital One^® VentureOne^® Rewards Credit Card

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(293) Over the Past 60 Days!

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• Rewards Rate

  1.25 Miles per dollar on every purchase, every day

• Intro Purchase APR

  0% intro on purchases for 12 months

• Regular Purchase APR

  13.49% - 23.49% (Variable)

Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
• Earn 1.25X miles on every purchase, every day
• Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime

• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Transfer your miles to over 12 leading travel loyalty programs
• Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that

See additional details for Capital One^® VentureOne^® Rewards Credit Card

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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 $0 intro for first year; $95 after that – see how our staff compensates for these.

Cards for building or rebuilding credit

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Capital One^® Secured Mastercard^®

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(9) Over the Past 60 Days!

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• Reports to Credit Bureaus

  Build Credit When Used Responsibly

• Minimum Deposit

  $49, $99, or $200

• Regular Purchase APR

  26.74% (Variable)

Highlights

• No annual fee, and all the credit building benefits with responsible card use
• Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
• Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
• Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line

• Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
• Easily manage your account 24/7 with online access, by phone or using our mobile app
• It's a credit card accepted at millions of locations worldwide

See additional details for Capital One^® Secured Mastercard^®

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Capital One offers a secured card, the Capital One® Secured Mastercard®, 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

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Journey^® Student Rewards from Capital One^®

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(6) Over the Past 60 Days!

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• Rewards Rate

  Earn 1% cash back on all purchases

• Bonus Cash Back

  Earn 25% bonus on cash back you earn each month you pay on time

• Credit Limit Increase

  Higher credit line after 5 on-time monthly payments

Highlights

• Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
• Enjoy no annual fee and no foreign transaction fees
• Get a head start and build your credit with responsible use
• Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online

• Pick the monthly due date that works best for you
• Get access to a higher credit line after making your first 5 monthly payments on time
• $0 fraud liability if your card is ever lost or stolen
• Monitor your credit profile with the CreditWise® app, free for everyone

See additional details for Journey^® Student Rewards from Capital One^®

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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 average/fair/limited, while both Chase cards require excellent credit.

Here are the Chase business cards available:

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Ink Business Preferred℠ Credit Card

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(19) Over the Past 60 Days!

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• Bonus Rewards

  Earn 80,000 bonus points

• Rewards Rate

  Earn 3 points per $1 in select business categories

• Bonus Perks

  Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards

Highlights

• Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards

• Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
• No foreign transaction fees
• Employee cards at no additional cost
• $95 Annual Fee

See additional details for Ink Business Preferred℠ Credit Card

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Here are the Capital One business cards available:

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Capital One^® Spark^® Cash for Business

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(59) Over the Past 60 Days!

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• Rewards Rate

  2% Cash Back for your business on every purchase, everywhere

• Sign-up Bonus

  Limited Time Offer: Earn up to $2,000 in cash bonuses. Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening

• Rewards Redemption

  Redeem cash back for any amount at any time

Highlights

• Limited Time Offer: Earn up to $2,000 in cash bonuses
• Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
• Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
• $0 annual fee for the first year; $95 after that

• Free employee cards, which also earn unlimited 2% cash back on all purchases
• $0 Fraud Liability if your card is lost or stolen
• Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

See additional details for Capital One^® Spark^® Cash for Business

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Capital One^® Spark^® Cash Select for Business

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(15) Over the Past 60 Days!

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• Rewards Rate

  Unlimited 1.5% cash back

• Sign-up Bonus

  One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening

• Rewards Redemption

  Redeem cash back for any amount at any time

Highlights

• Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
• Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
• Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
• No annual fee

• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
• $0 Fraud Liability if your card is lost or stolen
• No foreign transaction fees

See additional details for Capital One^® Spark^® Cash Select for Business

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Capital One^® Spark^® Classic for Business

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(5) Over the Past 60 Days!

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• Rewards Rate

  Earn 1% cash back on all purchases

• Extra Perks

  No foreign transaction fees & complimentary fraud coverage

• Regular Purchase APR

  24.49% (Variable)

Highlights

• Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
• No annual fee
• Build and strengthen credit for your business by using this credit card responsibly
• $0 Fraud Liability if your card is lost or stolen

• Free employee cards, which also earn unlimited 1% cash back on all purchases
• Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

See additional details for Capital One^® Spark^® Classic for Business

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Capital One^® Spark^® Miles for Business

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(15) Over the Past 60 Days!

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• Rewards Rate

  Unlimited 2x miles per dollar

• Sign-up Bonus

  Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening.

• Rewards Redemption

  Redeem miles with any airline and any hotel

Highlights

• Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
• Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Earn 5X miles on hotel and rental car bookings through Capital One Travel? using a Spark Miles card

• Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
• $0 intro annual fee for the first year; $95 after that

See additional details for Capital One^® Spark^® Miles for Business

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Capital One^® Spark^® Miles Select for Business

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(10) Over the Past 60 Days!

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• Rewards Rate

  1.5 Miles per $1 on every purchase

• Sign-up Bonus

  One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening

• Rewards Redemption

  Redeem miles with any airlines and any hotel

Highlights

• Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
• Earn 5X miles on hotel and rental car bookings through Capital One Travel? using a Spark Miles Select card
• Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that

• No annual fee
• Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Free employee cards which also earn unlimited 1.5X miles from their purchases

See additional details for Capital One^® Spark^® Miles Select for Business

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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.