Chase excels in travel rewards with premium card benefits and established hotel partnerships (1:1 Hyatt redemption), while Capital One offers superior flexibility with straightforward 2x cash back and transfer partners like Avios and Air Canada. Chase is better for luxury travel optimization; Capital One wins for simplicity and redemption flexibility.
Capital One vs Chase — Side-by-side comparison on A Versus B
Major US credit card issuer focused on accessibility and rebuilding credit with diverse product offerings.
Major bank holding company offering diverse credit cards, checking accounts, and investment services with broad accessibility.
Cash Back Structure. Redemption Flexibility. Travel Value Proposition. User Experience. Ecosystem Integration. Earning Rate Consistency. Savings Features. Premium Card Ecosystem
Chase wins for premium travel rewards optimization and established luxury partnerships, particularly for frequent hotel and airline travelers seeking maximized value through category bonuses and 1:1 transfers. Capital One wins for everyday simplicity, consistent earning, and redemption flexibility. Choose Chase for specialized travel; choose Capital One for straightforward, versatile cash back rewards.
Capital One: 10+ airlines and partners | Chase: Hyatt + Chase Travel only
Capital One: 2.5% (2026) | Chase: Standard rates
Capital One: 1 (uniform) | Chase: 5+ categories
Capital One: Variable transfer rates | Chase: 1:1 Hyatt guarantee
Capital One: Basic | Chase: Comprehensive (Sapphire)
Capital One: 2x flat | Chase: 3-5x (category-based)
Capital One: 1,000+ partner locations | Chase: N/A
Capital One: 21.99% - 35.99% | Chase: N/A
Capital One: 1-3 business days | Chase: N/A
Capital One: 3+ (loans, cards, deposits) | Chase: N/A
Capital One: 1.5% (Quicksilver) | Chase: N/A
Capital One: 5% (rotating categories) | Chase: N/A
Capital One: 99%+ (Visa/Mastercard network) | Chase: N/A
Capital One: None (entry/mid-tier) | Chase: N/A
Capital One: 30,000+ (surcharge-free network) | Chase: N/A
Capital One: 16.99% - 27.99% | Chase: N/A
Customer Satisfaction Score (J.D. Power 2025)
Capital One: 2-3 business days | Chase: N/A
Capital One: Varies by product (up to $100k+ for auto loans) | Chase: N/A
Capital One: 195 million customers | Chase: N/A
Capital One: $0 (with SafePass) | Chase: N/A
Capital One: $495 (Venture X equivalent) | Chase: N/A
Top-Tier Card Rewards Rate (Select Category)
Customer Satisfaction Score (J.D. Power 2024)
Capital One: N/A | Chase: 21 with expansion plan
Capital One: N/A | Chase: Chase Sapphire Preferred (3x points)
Capital One: N/A | Chase: Standard digital banking features
Capital One: N/A | Chase: Chase Ultimate Rewards (10+ redemption categories)
Capital One: N/A | Chase: Solid advisory offerings
Capital One: N/A | Chase: Highly rated, feature-rich
Capital One: N/A | Chase: Varies by account type ($500-$15,000)
Capital One: N/A | Chase: Ranks higher across banking metrics
Capital One: N/A | Chase: 4,700 branches
Capital One: N/A | Chase: 42 million users
Capital One: N/A | Chase: 5% rotating categories
Capital One: N/A | Chase: $0 (most accounts)
Capital One: N/A | Chase: 160+ years (founded 1865)
How to choose between Capital One and Chase
Capital One vs Chase — Structured Comparison Data
Machine-readable comparison dataset for Capital One vs Chase. Contains 103 attribute comparisons, 6 FAQ pairs.
Capital One vs Chase — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Capital One vs Chase.
Can Capital One points be transferred to airlines?
Yes, Capital One points can be transferred to 10+ airline and travel partners including Avios, Air France-KLM, and Air Canada at competitive rates, offering more flexibility than Chase's limited Hyatt partnership.
Capital One's 2x flat cash back is better for everyday spending since it requires no category tracking and earns consistently on all purchases, while Chase's rewards vary by purchase type and category.
Who benefits most from Chase's Hyatt partnership?
Frequent luxury hotel travelers who stay at Hyatt properties benefit most from Chase's 1:1 point-to-night redemption, potentially saving thousands annually compared to Capital One's variable transfer rates.
What's the annual fee difference between these cards?
Capital One's base cards typically have no annual fee, while Chase Sapphire Preferred charges $95 annually. The choice depends on whether category bonuses justify the fee for your spending patterns.
Which offers better savings account rates in 2026?
Capital One offers 2.5% APY on savings accounts in 2026, significantly higher than Chase's standard savings rates, making Capital One advantageous for those seeking deposit returns.
No — Chase and Capital One are not affiliated and are not the same company. They are entirely separate, independent businesses: Chase credit cards and accounts are issued by JPMorgan Chase Bank, N.A., while Capital One products are issued by Capital One, N.A. The two are direct competitors in both credit cards and consumer banking — there is no shared ownership, no common parent company, and no shared rewards program. Points and miles do not transfer between the two, so a Chase card and a Capital One card are run by completely different issuers.
How to Choose Between Capital One and Chase
Cash Back Structure: Capital One has 2x on everything (flat rate), while Chase has Category-based (5x travel, 3x dining).
Redemption Flexibility: Capital One has Multiple transfer partners (Avios, AF, Air Canada), while Chase has Limited to Hyatt 1:1 partnership.
Travel Value Proposition: Capital One has Flexible points transfer, while Chase has Premium hotel redemption (1:1 Hyatt).
User Experience: Capital One has Simple, straightforward earning, while Chase has Complex category tracking required.
Ecosystem Integration: Capital One has Standalone transfer partnerships, while Chase has Integrated Chase Travel platform.
Earning Rate Consistency: Capital One has Uniform 2x across all purchases, while Chase has Varies by category (3x-5x).
Savings Features: Capital One has 2.5% savings rate on deposits, while Chase has Standard banking services.
Premium Card Ecosystem: Capital One has Limited premium offerings, while Chase has Sapphire Preferred with comprehensive benefits.