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Capital One Vs. Chase Credit Cards
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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.
Capital One vs. Chase at a glance
- Customer satisfaction. The J.D. Power 2021 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.
|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||Capital One SavorOne Student Cash Rewards Credit Card||Chase Freedom® Student credit card|
|Small business||Capital One Spark Cash Plus||Ink Business Cash® Credit Card|
Cards with travel rewards
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 Venture Rewards Credit Card has a $95 annual fee, while the Capital One VentureOne Rewards Credit Card’s annual fee is $0.
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
Capital One offers three student credit cards:
- Journey Student Rewards from Capital One
- Capital One Quicksilver Student Cash Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
Meanwhile, Chase has just one, the Chase Freedom® Student credit card.
For students who dine out or spend a significant portion of their budget on groceries, the Capital One SavorOne Student Cash Rewards Credit Card cashback program is hard to beat: 3% 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 purchases and tickets at Vivid Seats.
The Chase Freedom® Student credit card is a flat-rate card, letting cardholders earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years.
Cards for small businesses
Capital One carries six small business cards, compared to Chase, which has three 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 may be more lenient. For example, the Capital One® Spark® Classic for Business requires fair credit, while the Chase Ink Business Cash® Credit Card requires excellent credit.
Here are the Capital One business cards available:
- Capital One Spark Cash Plus
- Capital One Spark Miles for Business
- Capital One Spark Cash Select - $500 Cash Bonus
- Capital One Spark Cash Select - 0% Intro APR for 12 Months
- Capital One® Spark® Miles Select for Business
- Capital One® Spark® Classic for Business
Here are the Chase business cards available:
- Ink Business Preferred® Credit Card
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
The 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 information related to the Chase Slate®, the Capital One® Spark® Miles Select for Business, and the Capital One® Spark® Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.