Capital One vs. Chase Credit Cards [2024]: Which is Better for Travel, Rewards, and Beyond?

If you’re trying to decide between Capital One and Chase, I generally would recommend Chase. It offers a large selection of cards that you can use for different types of purchases, and its travel rewards and perks are often better. This is especially true if you have multiple cards or accounts through Chase.

However, I don’t think Capital One is far off from the value that Chase can provide. I also think Capital One provides better options if you are seeking simplicity and want one card to use for all your purchases.

Capital One vs. Chase comparison

Capital One vs. Chase credit cards: An in-depth comparison

Capital One benefits and drawbacks

I appreciate that Capital One has a large lineup of credit cards to choose from, including travel credit cards that make it easy to earn loads of rewards on all eligible purchases. I especially like the Capital One Venture X because it has simple benefits that can provide more than enough value to justify holding onto this card.

However, I don’t think Capital One is especially suited for people who want plenty of in-person branches with ATMs. It also is not the best option if, like me, you often travel domestically. The fact that Capital One does not have any U.S.-based airlines as transfer partners is a big downside for me.

And, unfortunately, you typically can’t have more than two personal credit cards with Capital One. So you have to choose specific cards to go after.

Find out more about Capital One credit cards.

Chase benefits and drawbacks

I have been a Chase customer for a while, and I like that many Chase cards provide features that allow you to combine points. This can make it easier to rack up rewards, as well as get more value from your rewards by transferring them to cards with higher travel redemption rates.

I also am drawn to Chase because it is a well-established and well-known global bank with plenty of in-person locations nationwide. This can be helpful if you use other Chase services, including its bank accounts. Personally, I am also a big fan of Chase’s mobile app, which I find easy to use and helpful when I have questions.

With that said, if you want a credit card with a simple earning rate for all purchases, there may be better options available. Additionally, using multiple Chase credit cards to maximize your earning potential could be complicated if you’re new to earning points and miles.

Learn more about Chase credit cards.

Capital One vs. Chase: What both companies excel at

For credit cards, neither issuer is outright better than the other. I generally prefer Chase credit cards, but there are plenty of situations in which I would also recommend Capital One.

• Variety of options: Both Capital One and Chase provide a wide variety of credit cards to choose from, including different types of rewards cards. And apart from issuing credit cards, both banks provide other similar services, including checking accounts, savings accounts, and loans.
• Customer support: Chase is a much larger bank than Capital One, but both are among the 10 largest banks nationwide. This translates to lots of customer support and resources, including mobile apps and online banking.
• Travel rewards: In terms of rewards programs and booking travel, there’s a lot to like about both Chase Ultimate Rewards points and Capital One miles. It’s easy to book flights, hotel stays, and car rentals with either program. You can also transfer your rewards to travel partners with Chase or Capital One.

0% intro APR compared

	Capital One Quicksilver Cash Rewards Credit Card	Chase Freedom Unlimited®
FinanceBuzz Star ratings	4.5 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculations1	Year one: $763 Year two: $563	Year one: $953 Year two: $653
Intro APR	0% intro APR for 15 months on balance transfers (then 19.74% - 29.74% (Variable)); Balance transfer fee applies 0% intro APR for 15 months on purchases (then 19.74% - 29.74% (Variable))	0% intro APR for 15 months on balance transfers (then 19.99% - 28.74% Variable); balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 0% intro APR for 15 months on purchases (then 19.99% - 28.74% Variable)
Annual fee	$0	$0
Welcome 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)
	Learn more	Learn more

The Capital One Quicksilver and Chase Freedom Unlimited are very similar when you compare their 0% intro APR offers, annual fees, and earning rates. But the Freedom Unlimited edges the Quicksilver with more earning potential on everyday purchases for the average cardholder.

The Freedom Unlimited provides an elevated 3% cashback rewards on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, which you won’t find on the Quicksilver.

Winner: The Chase Freedom Unlimited because it has the better earning rate for everyday purchases.

Cash back compared

	Capital One Savor Cash Rewards Credit Card	Chase Freedom Flex®
FinanceBuzz Star ratings	4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculations1	Year one: $1,155 Year two: $905	Year one: $855 Year two: $655
Earning rate	3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services; 5% back on hotels and rental cars booked through Capital One Travel (terms apply); 8% cash back on Capital One Entertainment purchases; and 1% cash back on all other purchases	5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases
Welcome bonus	Earn a limited-time $250 cash bonus after you spend $500 on purchases within the first 3 months from account opening	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual fee	$0	$0
Redemption methods	Statement credits Mailed checks Cover purchases Travel Gift cards Amazon PayPal	Statement credits Direct deposits Travel Gift cards Amazon Transfers to other eligible Chase cards
	Learn more	Learn more

The Capital One Savor and Chase Freedom Flex are similar credit cards when it comes to their intro APR offers and how you can redeem your rewards. But there are a few points of difference to consider:

• The Freedom Flex provides a high rewards rate for rotating categories, while the Savor focuses on set bonus categories, including different types of entertainment.
• The Savor has no foreign transaction fees, while the Freedom Flex charges 3%.
• The Freedom Flex lets you transfer rewards to other eligible Chase cards, potentially increasing their value.

The Savor is an excellent credit card for making entertainment purchases, including tickets for movies, sports, concerts, and more.

But the Freedom Flex makes sense if you want everyday purchases to fuel travel redemptions. You can transfer points from your Freedom Flex to a Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^® and increase their travel redemption value by 25% to 50% when you redeem through Chase Travel.

Winner: It’s a tie because it depends on your preferences.

Travel rewards compared

	Capital One Venture Rewards Credit Card	Chase Sapphire Preferred® Card
FinanceBuzz Star ratings	4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculations1	Year one: $1,521 Year two: $771	Year one: $1,786 Year two: $789
Earning rate	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 and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25	5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases
Welcome bonus	Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening	Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening (that's worth $750 when redeemed through Chase Travel). Plus, get up to $300 in statement credits on Chase Travel purchases within your first year
Annual fee	$95	$95
Redemption methods	Travel Cover past travel purchases Transfers to travel partners Statement credits Mailed checks Gift cards Amazon PayPal	Travel Transfers to travel partners Chase Pay Yourself Back Statement credits Direct deposits Gift cards Amazon Transfers to other eligible Chase cards
Annual credits	Up to $120 credit for TSA PreCheck or Global Entry every four years $50 experience credit on every Lifestyle Collection stay	$50 annual hotel credit through Chase
Travel perks	2 free visits per year to Capital One or Plaza Premium Lounges Hertz Five Star elite status	Get 25% more value on points redeemed toward travel through Chase Travel
Foreign transaction fee	None	None
	Learn more	Learn more

The main differences between the Capital One Venture and the Chase Sapphire Preferred are their:

• Earning rates
• Credit perks
• Travel benefits

I like how simple it is to earn rewards with the Capital One Venture. You can earn at least 2 miles per dollar on every purchase, every day, which makes it easy to avoid having to carry multiple credit cards in your wallet for different types of purchases. I’m always a big fan of simplicity, and the Capital One Venture checks a lot of boxes on that front.

And if you occasionally travel, it’s useful to receive credits for TSA PreCheck or Global Entry and potentially expedite your time in lines at the airport. Hertz Five Star elite status isn’t that useful, but two free visits per year to Capital One or Plaza Premium Lounges is a nice little bonus.

The Chase Sapphire Preferred can’t match the base earning rate on the Capital One Venture. But receiving 3X points on dining, select streaming services, and online groceries might be better for you depending on your spending habits.

In terms of benefits, I love that the Sapphire Preferred has an easy way to help offset its $95 annual fee each year in the form of a $50 annual hotel credit. Yes, this credit only works if you book the hotel through Chase Travel℠. But using the Chase travel portal has been extremely easy in our experience.

We also don’t think the Capital One Venture can compete with the synergy the Sapphire Preferred has with other Chase credit cards, including the Chase Freedom Unlimited and Chase Freedom Flex. You can simply transfer points from those cards to your Sapphire Preferred and they’re immediately worth 25% more toward travel redemptions when you redeem through Chase Travel.

Winner: The Chase Sapphire Preferred because we think its benefits and synergy with other Chase cards beats what you can find on the Capital One Venture.

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

	Capital One Venture X Rewards Credit Card	Chase Sapphire Reserve®
FinanceBuzz Star ratings	4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculations1	Year one: $1,521 Year two: $871	Year one: $2,023 Year two: $1,123
Earning rate	2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25	5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases
Welcome bonus	Earn 75,000 miles when you spend $4,000 on purchases in the first 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	$395	$550
Redemption methods	Travel Cover past travel purchases Transfers to travel partners Statement credits Mailed checks Gift cards Amazon PayPal	Travel Transfers to travel partners Chase Pay Yourself Back Statement credits Direct deposits Gift cards Amazon Transfers to other eligible Chase cards
Annual credits	$300 annual travel credit through Capital One Travel 10,000 anniversary miles (equal to $100 toward travel) Up to $120 credit for TSA PreCheck or Global Entry every four years $100 experience credit, daily breakfast for 2, and other premium benefits on hotel stays booked through Capital One Travel	$300 annual travel credit Up to $100 credit for TSA PreCheck, Global Entry, or NEXUS every four years $5 monthly DoorDash credit through Dec. 31, 2027 while enrolled in DashPass
Travel perks	Access to Priority Pass, Capital One, and Plaza Premium Lounges Hertz President’s Circle elite status2 Complimentary 6-month The Cultivist membership Access to Premier Collection hotels and resorts	Access to Priority Pass lounges and Priority Pass restaurants National Emerald Club Executive Level elite status Access to The Luxury Hotel & Resort Collection
Other benefits	Free additional cardholders Cell phone protection	Get 50% more value on points redeemed toward travel through Chase Travel℠
Foreign transaction fee	None	None
	Learn more	Learn more

The main differences between the Capital One Venture X and Chase Sapphire Reserve include their:

• Rewards rates
• Credit perks
• Travel and other benefits

We’ve liked the Sapphire Reserve for a long time, before it had a $550 annual fee. Back then, it was much easier to get enough value out of the card’s rewards and benefits to justify the cost.

But an increased $550 annual fee and not enough improvements on benefits make this card a tough one to hang onto unless you travel a lot. The $300 annual travel credit is easy to use on just about anything travel related. And the up to $100 credit for TSA PreCheck, Global Entry, or NEXUS is useful for frequent travelers.

It’s also nice that you can get a free Priority Pass Select membership. This gives you access to Priority Pass airport lounges, but also to Priority Pass restaurants — which is an added benefit you don’t receive with a Priority Pass membership from Capital One or American Express.

However, all of these benefits still might not be enough to make the $550 annual fee worth it. You would need to make frequent use of the travel benefits or earn loads of points from other Chase cards that you transfer to your Sapphire Reserve for the 50% travel redemption value you get when you redeem through Chase Travel.

With the Capital One Venture X, the math to offset the $395 annual fee is relatively simple. You receive a $300 annual travel credit and 10,000 anniversary miles each year that are worth $100 toward travel. That’s essentially $400 toward travel without talking about anything else.

But you also receive access to Priority Pass, Capital One, and Plaza Premium Lounges. And you can add additional cardholders for free, and they get their own airport lounge access to the same lounges.

Throw in the Hertz President’s Circle elite status, cell phone protection, and up to $120 credit for TSA PreCheck or Global Entry and you’ve got quite the premium travel card on your hands.

Winner: We like the Capital One Venture X because it has a lower $395 annual fee and good benefits.

Which credit card company should you choose?

When you should choose Capital One

• You already have a relationship with Capital One and want to keep your banking services under one roof.
• You would rather use one rewards credit card for all your purchases.
• You make a lot of entertainment purchases, such as buying tickets for concerts, movies, sporting events, and more.
• You don’t mind having a low number of in-person banking locations.
• You often travel internationally and prefer Capital One transfer partners, including Etihad, Turkish Airlines, and Wyndham.

When you should choose Chase

• You already have a relationship with Chase and want to keep your banking services under one roof.
• You’re fine carrying multiple Chase credit cards and using them for different types of purchases (e.g., one for dining, one for groceries).
• You primarily want to redeem rewards for travel.
• You like having in-person banking locations to visit if you need to.
• You often travel domestically and prefer Chase transfer partners, including Southwest, United, and Hyatt.

What factors to consider before choosing

One card issuer won’t work for everyone, as it depends on your preferences, spending habits, and personal finance situation.

However, I generally recommend Chase credit cards over Capital One because the different Chase Freedom and Chase Sapphire cards work well together for earning valuable rewards on different types of everyday purchases. For this reason, I think Chase is better than Capital One if you want to maximize your earning potential.

I also prefer Chase’s transfer partners, as they include domestic airlines, and I find Chase’s mobile app and customer service experience to be top-notch.

Capital One credit cards don’t offer the same type of synergy as Chase cards, but I always appreciate simple rewards structures. Specifically, the Capital One Venture and Venture X provide high base earning rates that beat any base earning rate from Chase. With these Capital One credit cards, you can earn at least:

• Capital One Venture Rewards Credit Card: 2 miles per dollar on every purchase, every day.
• Capital One Venture X Rewards Credit Card: 2 miles per dollar on every purchase, every day.

If you aren’t as worried about earning the most rewards possible, these types of earning rates can simplify your entire rewards strategy. There’s no need to carry around multiple cards in your wallet if you have one that provides the same elevated earning rate on just about everything.

So for simple earning, I would recommend Capital One credit cards.

FAQ

Bottom line

I generally recommend Chase over Capital One if you want to maximize your earning potential. You can earn high rewards rates for different types of purchases with multiple Chase credit cards. And then you can combine your rewards on one of the Chase Sapphire cards for a higher travel redemption rate.

But for simple rewards earning, I recommend Capital One over Chase. Cards like the Capital One Venture and Venture X make it easy to use one credit card for all of your purchases because of elevated base earning rates.

For more of our top recommendations, use our dedicated page to compare credit cards and find the right credit card offer for you. You can specifically look at our in-depth comparisons of particular cards, like our Chase Ink vs. Capital One Spark review, to get a better idea of which card might be the best fit.

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Sapphire Preferred^® Card

Apply Now

Current Offer

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer valued at up to $1,050 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance

Drawbacks

• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases

Card Details

• Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
• 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.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
• Member FDIC