Credit CardsArticles
How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

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.

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 its own benefits to consider.

In general, Chase has more high-end cards and perks than Capital One — making Chase better than Capital One for frequent travelers or heavy spenders. Chase also offers more valuable points than Capital One, and it has higher customer satisfaction rates.

Capital One generally offers simpler cards with less complex rewards rates. This makes Capital One a good choice for people who prefer flat cash back rates and lower annual fees. Capital One is better than Chase for helping you build your credit since it offers secured credit cards. Chase does not.

We compared the best credit cards from Capital One and the best credit cards from Chase so you can choose the best card for your needs.

Capital One vs. Chase at a glance

Capital OneChase
Customer satisfaction*5th highest credit card issuer in the U.S.4th highest credit card issuer in the U.S.
Card offeringsLuxury travel cards, travel cards, cash back cards, 0% APR cards, student cards, business cards, cards for building creditLuxury travel cards, travel cards, cash back cards, 0% APR cards, student cards, business cards
Added card perksBetter lounge accessStronger travel protections, higher point value, more benefits from having multiple Chase cards
Free credit scoreVantageScore 3.0 provided by TransUnion with CreditWiseVantageScore 3.0 provided by Experian with Credit Journey
Point valueAround 1 cent (when redeemed through Capital One Travel)Around 1.25 to 1.5 cents (when redeemed through Chase Ultimate Rewards®)
Point flexibility15 travel partners at a 1:1 transfer ratio (no domestic airlines); 1 travel partner at a 2:1.5 transfer ratio; 1 travel partner at a 2:1 transfer ratio14 travel partners at a 1:1 transfer ratio (including 3 domestic airlines)

*According to the J.D. Power 2022 U.S. Credit Card Satisfaction Study

Cash back: Capital One Quicksilver Cash Rewards Credit Card vs. Chase Freedom Unlimited®

Winner: Chase Freedom Unlimited®

The Chase Freedom Unlimited®‘s elevated earning rates give it an edge over the Capital One Quicksilver Cash Rewards Credit Card. Cardholders earn bonus rewards on travel, drugstore and restaurant purchases, in addition to 1.5% cash back on general purchases.

On the other hand, the Capital One Quicksilver Cash Rewards Credit Card is best for people who prefer a simple, flat cash back rewards rate on every purchase.

Both cards have no annual fee and a long intro APR period.

Capital One Quicksilver Cash RewardsChase Freedom Unlimited®
Rewards rate1.5% 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 Ultimate Rewards®, 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
Annual fee$0$0
Sign-up bonusOne-time $200 cash bonus after you spend $500 on purchases within 3 months from account openingEarn 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 Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Intro APR (purchases)0% intro on purchases for 15 months0% Intro APR on Purchases for 15 months
Regular APR19.24% - 29.24% (Variable)19.49% - 28.24% Variable

| Disclosures
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's secure site
N/A
29.74% (Variable)
$39
1.5% Cash Back on every purchase, every day; 5% Cash Back on
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Freedom Unlimited®
Chase Freedom Unlimited®
on Chase's secure site
0% Intro APR on Purchases for 15 months
19.49% - 28.24% Variable
$0
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Intro 0% APR: Capital One VentureOne Rewards Credit Card vs. Chase Slate Edge℠

Winner: Chase Slate Edge℠

If you’re looking for a long 0% intro APR credit card solely for a balance transfer, then the Chase Slate Edge℠ is a great no-frills option. It has a generous 0% Intro APR on Balance Transfers for 18 months. Afterward, a 19.24% - 29.24% (Variable) APR applies.

The Capital One VentureOne Rewards Credit Card also has a long intro APR period on both purchases and balance transfers. It’s primarily a travel card, so it has a rewards program and sign-up bonus — both of which the Chase Slate Edge℠ lacks. If you’re looking for a card you can use even after your balance transfer is paid off, then Capital One might be better for you.

Both cards have no annual fee.

Capital One VentureOne Rewards Credit CardChase Slate Edge
Intro APR (purchases)0% intro on purchases for 18 months0% Intro APR on Purchases for 18 months.
Intro APR (balance transfers)0% intro on balance transfers for 18 months0% Intro APR on Balance Transfers for 18 months.
Regular APR19.24% - 29.24% (Variable) 19.49% - 28.24% Variable
Balance transfer fee3% of the amount of each transferred balance during the first 15 months.Either $5 or 3% 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.
Annual fee$0$0
Rewards rate1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One TravelN/A
Sign-up bonusEarn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 in travelN/A

| Disclosures
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 18 months
19.24% - 29.24% (Variable)
$0
1.25 Miles per dollar on every purchase, every day; 5 Miles on
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 40,000 miles once you spend $1000 on purchases within 3 months from account opening, equal to $400 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 Capital One's 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 18 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 18 months
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Slate Edge℠
Chase Slate Edge℠
on Chase's secure site
0% Intro APR on Purchases for 18 months.
19.49% - 28.24% Variable
$0
N/A
  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 19.49% - 28.24% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate EdgeSM card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Travel: Capital One Venture Rewards Credit Card vs. Chase Sapphire Preferred® Card

Winner: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most valuable travel cards on the market. Compared to the Capital One Venture Rewards Credit Card, it has a better earning rate and points that are more valuable and flexible.

If you prefer a credit card with a simpler rewards rate and don’t want to keep track of different bonus categories, the Capital One Venture Rewards Credit Card is a great alternative. It also offers two free lounge visits per year, and the Chase Sapphire Preferred® Card doesn’t.

These two cards have similar annual fees, strong travel protections and no foreign transaction fees.

Capital One Venture Rewards Credit CardChase Sapphire Preferred
Rewards rate2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases
Sign-up bonusEnjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travelEarn 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®.
Annual fee$95$95
Travel credits$100 Global Entry or TSA PreCheck credit, 2 free lounge visits per year$50 annual Ultimate Rewards Hotel Credit
Travel protectionsTravel accident insurance, 24-hour travel assistance services and auto rental collision damage waiverTrip cancellation/interruption insurance, auto rental collision damage waiver baggage delay insurance, trip delay reimbursement and travel/emergency assistance services
Foreign transaction feesNone$0

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
on Capital One's secure site
N/A
20.24% - 28.24% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles on
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's 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
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
20.49% - 27.49% Variable
$95
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and
  • 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 benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x 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.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Luxury travel: Capital One Venture X Rewards Credit Card X vs. Chase Sapphire Reserve®

Winner: Capital One Venture X Rewards Credit Card

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®.

The Capital One Venture X Rewards Credit Card card has a simpler rewards rate and a lower annual fee and offers access to a lot more lounges than the Chase Sapphire Reserve®. Both cards offer Priority Pass lounge access — but with the Capital One Venture X Rewards Credit Card, you also get to bring two guests for free and get access to Plaza Premium Group lounges, which are all over the world.

Chase Sapphire Reserve® has the upper hand in some other aspects. It has more valuable and flexible points plus better rewards on dining.

Both cards have no foreign transaction fees and solid travel protections.

Capital One Venture XChase Sapphire Reserve
Rewards rate2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles on flights booked through Capital One Travel5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®
Sign-up bonusEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travelEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Annual fee$395$550
Travel credits$300 annual travel credit, $100 Global Entry or TSA PreCheck credit every 4 years, anniversary bonus equal to $100 toward travel$300 annual travel credit, $100 Global Entry or TSA PreCheck or NEXUS fee credit every 4 years
Travel protectionsTrip cancellation/interruption insurance, travel accident insurance, auto rental collision damage waiverTrip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage reimbursement, trip delay reimbursement and emergency evacuation/transportation
Lounge accessPriority Pass and Plaza Premium Lounge unlimited accessPriority Pass™ Select unlimited lounge access
Foreign transaction feesNone$0

| Disclosures
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
on Capital One's secure site
N/A
21.24% - 28.24% (Variable)
$395
2 Miles per dollar on every purchase, every day; 10 Miles on
  • 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
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
21.24% - 28.24% Variable
$550
5x points on flights and 10x points on hotels and car rentals
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.
  • Earn 5x total points on flights 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, 60,000 points are worth $900 toward travel
  • 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 PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Building credit: Capital One Platinum Secured Credit Card

Winner: Capital One Platinum Secured Credit Card

Chase doesn’t offer secured credit cards — or any other cards to help you build credit (besides student credit cards), making Capital One the way to go for cardholders with lower credit scores. The best option for building credit from Capital One is the Capital One Platinum Secured Credit Card.

Since it’s a secured credit card, you’ll have to pay an upfront deposit, which will serve as your credit line. Also, it doesn’t offer rewards or a sign-up bonus. But it does come with a $0 annual fee, and if you use it responsibly, it can help you qualify for better rewards credit cards later on.

Capital One Platinum Secured Credit Card
Rewards rateNon-rewards Card
Sign-up bonusNo bonus
Annual fee$0
Security deposit$49, $99 or $200 minimum refundable deposit

| Disclosures
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
on Capital One's secure site
N/A
29.74% (Variable)
$0
Non-rewards Card
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
300 600
Poor/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Student: Capital One SavorOne Student Cash Rewards Credit Card vs. Chase Freedom® Student credit card

Winner: Capital One SavorOne Student Cash Rewards Credit Card

Between Capital One and Chase student credit cards, the Capital One SavorOne Student Cash Rewards Credit Card is the best student credit card because it’s the most rewarding option. It offers elevated cash back rewards on common spending categories for students, including dining, entertainment, popular streaming services and grocery stores. It also has a larger sign-up bonus.

On the other hand, the Chase Freedom® Student credit card is a flat-rate cash back card, which makes it a simple and easy card to use and build credit with.

Both cards have no annual fee.

Capital One SavorOne Student Cash Rewards Credit CardChase Freedom Student credit card
Rewards rate3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchasesEarn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
Annual fee$0$0
Sign-up bonusEarn $50 when you spend $100 in the first three months$50 Bonus after first purchase made within the first 3 months from account opening

| Disclosures
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
on Capital One's secure site
N/A
19.24% - 29.24% (Variable)
$0
3% Cash Back on dining and entertainment; 3% Cash Back on popular
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Disclosures
Chase Freedom® Student credit card
Chase Freedom® Student credit card
on Chase's secure site
N/A
19.49% Variable
$0
Earn 1% cash back on all purchases plus $20 Good Standing Rewards
  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual Fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Free credit score with Chase Credit Journey
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Business: Capital One Spark Cash Plus vs. Ink Business Cash® Credit Card

Winner: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is the better choice for business owners because it offers a high earning rate on common business purchases — and you won’t have to pay the Capital One Spark Cash Plus‘s $150 annual fee. The Ink Business Cash® Credit Card offers a bonus on business expenses like supply store purchases and internet, cable and phone services. Although these categories have earning caps, they’re still valuable. The bonus categories alone are worth $1,750 in cash back.

On the other hand, the Capital One Spark Cash Plus offers a flat cash back rate, making it a better choice for busy business owners. It also has a higher sign-up bonus with a lower spending requirement. It’s a charge card, which means you have to pay off your balance every month and there’s no preset spending limit. This may not be a good fit for you if you’re not able to pay your business card’s balance every month.

Both cards offer free employee cards.

Capital One Spark Cash PlusInk Business Cash Credit Card
Rewards rate2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One TravelEarn 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 bonusEarn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account openingEarn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Intro APR (purchases)N/A0% Intro APR on Purchases for 12 months
Regular APR N/A 17.74% - 23.74% Variable
Employee cardsFreeFree

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Frequently asked questions

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’re looking for a more well-rounded card and don’t mind more limited airport lounge options, then the Chase Sapphire Reserve® is a 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 does not 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 Platinum Secured 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. Chase also has a higher customer satisfaction rating. But depending on your spending habits, travel preferences, credit score and more, a Capital One credit card may be a better fit for you.