Capital One vs Chase
type: Article
description: 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.
language: en-US
date published: 2026-04-25T15:16:29.087Z
date created: 2026-04-25T15:16:29.087Z
date modified: 2026-06-12T03:17:55.841Z
content reference time: 2026-06-12T03:17:55.841Z
author: A Versus B
publisher: A Versus B
about: Capital One
about: Chase
abstract: 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.
text: Cash Back Structure. Redemption Flexibility. Travel Value Proposition. User Experience. Ecosystem Integration. Earning Rate Consistency. Savings Features. Premium Card Ecosystem
conclusion text: 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.
additional property: Travel Redemption Partners
  type: PropertyValue
  value: Capital One: 10+ airlines and partners | Chase: Hyatt + Chase Travel only
  value reference: Capital One
additional property: Savings Account APY
  type: PropertyValue
  value: Capital One: 2.5% (2026) | Chase: Standard rates
  value reference: Capital One
additional property: Earning Simplicity
  type: PropertyValue
  value: Capital One: 1 (uniform) | Chase: 5+ categories
  value reference: Capital One
additional property: Hotel Partnership Value
  type: PropertyValue
  value: Capital One: Variable transfer rates | Chase: 1:1 Hyatt guarantee
additional property: Premium Card Features
  type: PropertyValue
  value: Capital One: Basic | Chase: Comprehensive (Sapphire)
  value reference: Chase
additional property: Base Cash Back / Points Rate
  type: PropertyValue
  value: Capital One: 2x flat | Chase: 3-5x (category-based)
  value reference: Chase
additional property: Money Market Account APY
  type: PropertyValue
  value: Capital One: 4.05% | Chase: N/A
additional property: Monthly Account Maintenance Fee
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: Physical Branch Locations
  type: PropertyValue
  value: Capital One: 1,000+ partner locations | Chase: N/A
additional property: Credit Card Products Available
  type: PropertyValue
  value: Capital One: 15+ | Chase: N/A
additional property: Auto Loan APR Range (Average)
  type: PropertyValue
  value: Capital One: 3.99% - 8.99% | Chase: N/A
additional property: Customer Service Rating
  type: PropertyValue
  value: Capital One: 3.2/5 | Chase: N/A
additional property: Minimum Credit Score
  type: PropertyValue
  value: Capital One: 620+ | Chase: N/A
additional property: Personal Loan APR Range
  type: PropertyValue
  value: Capital One: 21.99% - 35.99% | Chase: N/A
additional property: Loan Approval Time
  type: PropertyValue
  value: Capital One: 1-3 business days | Chase: N/A
additional property: Maximum Personal Loan Amount
  type: PropertyValue
  value: Capital One: $50,000 | Chase: N/A
additional property: Credit Card Options
  type: PropertyValue
  value: Capital One: 20+ cards | Chase: N/A
additional property: Origination Fee
  type: PropertyValue
  value: Capital One: 0% - 1% | Chase: N/A
additional property: Customer Base
  type: PropertyValue
  value: Capital One: 20+ million | Chase: N/A
additional property: Minimum Interest Rate
  type: PropertyValue
  value: Capital One: 7.99% | Chase: N/A
additional property: Minimum Credit Score Required
  type: PropertyValue
  value: Capital One: 580 | Chase: N/A
additional property: Average Origination Fee
  type: PropertyValue
  value: Capital One: 5.5% | Chase: N/A
additional property: Funding Timeline
  type: PropertyValue
  value: Capital One: 1-2 | Chase: N/A
additional property: Maximum Interest Rate
  type: PropertyValue
  value: Capital One: 35.99% | Chase: N/A
additional property: Number of Financial Products
  type: PropertyValue
  value: Capital One: 3+ (loans, cards, deposits) | Chase: N/A
additional property: Annual Fee (Entry Card)
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: Annual Fee (Premium Card)
  type: PropertyValue
  value: Capital One: $95 | Chase: N/A
additional property: Base Cash Back/Points Rate
  type: PropertyValue
  value: Capital One: 1.5% (Quicksilver) | Chase: N/A
additional property: Bonus Rewards Category Rate
  type: PropertyValue
  value: Capital One: 5% (rotating categories) | Chase: N/A
additional property: Global Merchant Acceptance
  type: PropertyValue
  value: Capital One: 99%+ (Visa/Mastercard network) | Chase: N/A
additional property: Minimum Credit Score (Entry)
  type: PropertyValue
  value: Capital One: 650 | Chase: N/A
additional property: Foreign Transaction Fees (Premium)
  type: PropertyValue
  value: Capital One: 3% | Chase: N/A
additional property: Airport Lounge Access
  type: PropertyValue
  value: Capital One: None (entry/mid-tier) | Chase: N/A
additional property: Monthly Checking Fee
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: Savings Account APY
  type: PropertyValue
  value: Capital One: 4.70% | Chase: N/A
additional property: Physical Branches
  type: PropertyValue
  value: Capital One: 0 | Chase: N/A
additional property: ATM Network Access
  type: PropertyValue
  value: Capital One: 30,000+ (surcharge-free network) | Chase: N/A
additional property: Credit Card APR Range
  type: PropertyValue
  value: Capital One: 16.99% - 27.99% | Chase: N/A
additional property: Overdraft Fees
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Capital One: 4.8/5 | Chase: N/A
additional property: Minimum Deposit to Open Account
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: Checking Account Monthly Fee
  type: PropertyValue
  value: Capital One: $0 | Chase: N/A
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Capital One: 4.60% | Chase: N/A
additional property: Credit Card Approval Rate
  type: PropertyValue
  value: Capital One: ~70% | Chase: N/A
additional property: Total Assets
  type: PropertyValue
  value: Capital One: $507 billion | Chase: N/A
additional property: Investment/Brokerage Platform
  type: PropertyValue
  value: Capital One: None | Chase: N/A
additional property: Auto Loan APR Range
  type: PropertyValue
  value: Capital One: 4.74% - 9.74% | Chase: N/A
additional property: Customer Satisfaction Score (J.D. Power 2025)
  type: PropertyValue
  value: Capital One: 768 | Chase: N/A
additional property: Starting APR (Personal Loans)
  type: PropertyValue
  value: Capital One: 8.99% | Chase: N/A
interactivity type: active
significant link: https://www.aversusb.net/entity/capital-one
significant link: https://www.aversusb.net/alternatives/capital-one
significant link: https://www.aversusb.net/entity/chase
significant link: https://www.aversusb.net/alternatives/chase
significant link: https://www.aversusb.net/api/answer/capital-one-vs-chase
significant link: https://www.aversusb.net/api/v1/schema/capital-one-vs-chase
related link: https://www.aversusb.net/compare/chase-vs-wells-fargo
related link: https://www.aversusb.net/compare/bank-of-america-vs-chase
related link: https://www.aversusb.net/compare/ally-bank-vs-capital-one
related link: https://www.aversusb.net/compare/capital-one-vs-american-express
related link: https://www.aversusb.net/compare/bank-of-america-vs-capital-one)
related link: https://www.aversusb.net/compare/bank-of-america-vs-capital-one))
related link: https://www.aversusb.net/compare/capital-one-vs-lendingclub))
related link: https://www.aversusb.net/compare/american-express-vs-chase)
teaches: How to choose between Capital One and Chase
genre: Products

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Capital One vs Chase — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Capital One
type: Thing
alternate name: CO
language: en-US
description: Major US credit card issuer focused on accessibility and rebuilding credit with diverse product offerings.
image: ImageObject
  caption: Capital One
subject of: Capital One vs Chase
image: ImageObject
  caption: Capital One

Chase
type: Organization
language: en-US
description: Major bank holding company offering diverse credit cards, checking accounts, and investment services with broad accessibility.
subject of: Capital One vs Chase

Capital One vs Chase — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Capital One vs Chase. Contains 103 attribute comparisons, 6 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Travel Redemption Partners
  type: PropertyValue
  value reference: Flexibility
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Savings
variable measured: Earning Simplicity
  type: PropertyValue
  value reference: Usability
variable measured: Hotel Partnership Value
  type: PropertyValue
  value reference: Travel
variable measured: Premium Card Features
  type: PropertyValue
  value reference: Premium
variable measured: Base Cash Back / Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Money Market Account APY
  type: PropertyValue
  value reference: Savings Products
variable measured: Monthly Account Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Physical Branch Locations
  type: PropertyValue
  value reference: Distribution
variable measured: Credit Card Products Available
  type: PropertyValue
  value reference: Product Variety
variable measured: Auto Loan APR Range (Average)
  type: PropertyValue
  value reference: Lending Products
variable measured: Customer Service Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Minimum Credit Score
  type: PropertyValue
  value reference: Credit Requirements
variable measured: Personal Loan APR Range
  type: PropertyValue
  value reference: Lending Products
variable measured: Loan Approval Time
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Personal Loan Amount
  type: PropertyValue
  value reference: Lending Terms
variable measured: Credit Card Options
  type: PropertyValue
  value reference: Product Variety
variable measured: Origination Fee
  type: PropertyValue
  value reference: Interest & Fees
variable measured: Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: Minimum Interest Rate
  type: PropertyValue
  value reference: Loan Terms
variable measured: Minimum Credit Score Required
  type: PropertyValue
  value reference: Eligibility
variable measured: Average Origination Fee
  type: PropertyValue
  value reference: Costs
variable measured: Funding Timeline
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Interest Rate
  type: PropertyValue
  value reference: Loan Terms
variable measured: Number of Financial Products
  type: PropertyValue
  value reference: Service Breadth
variable measured: Annual Fee (Entry Card)
  type: PropertyValue
  value reference: Costs
variable measured: Annual Fee (Premium Card)
  type: PropertyValue
  value reference: Costs
variable measured: Base Cash Back/Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Bonus Rewards Category Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Global Merchant Acceptance
  type: PropertyValue
  value reference: Usability
variable measured: Minimum Credit Score (Entry)
  type: PropertyValue
  value reference: Accessibility
variable measured: Foreign Transaction Fees (Premium)
  type: PropertyValue
  value reference: Costs
variable measured: Airport Lounge Access
  type: PropertyValue
  value reference: Benefits
variable measured: Monthly Checking Fee
  type: PropertyValue
  value reference: Fees
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Deposit Rates
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card APR Range
  type: PropertyValue
  value reference: Credit Products
variable measured: Overdraft Fees
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: Digital Tools
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Account Requirements
variable measured: Checking Account Monthly Fee
  type: PropertyValue
  value reference: Banking Costs
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Interest Rates
variable measured: Credit Card Approval Rate
  type: PropertyValue
  value reference: Credit Products
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Scale
variable measured: Investment/Brokerage Platform
  type: PropertyValue
  value reference: Services
variable measured: Auto Loan APR Range
  type: PropertyValue
  value reference: Lending
variable measured: Customer Satisfaction Score (J.D. Power 2025)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Starting APR (Personal Loans)
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Maximum APR (Personal Loans)
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Origination Fee Range
  type: PropertyValue
  value reference: Cost & Rates
variable measured: Loan Funding Time
  type: PropertyValue
  value reference: Speed
variable measured: Maximum Loan Amount
  type: PropertyValue
  value reference: Loan Limits
variable measured: Customer Base Size
  type: PropertyValue
  value reference: Scale
variable measured: Savings Account APY (2026)
  type: PropertyValue
  value reference: Interest Rates
variable measured: Monthly Checking Account Fee
  type: PropertyValue
  value reference: Fees
variable measured: Credit Card Rewards (Best)
  type: PropertyValue
  value reference: Credit Products
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Fees
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: Digital Experience
variable measured: Total Assets (2026)
  type: PropertyValue
  value reference: Scale
variable measured: Lowest Annual Fee Card
variable measured: Premium Card Annual Fee (Flagship)
variable measured: Average Rewards Rate on Flat Cash Card
variable measured: Top-Tier Card Rewards Rate (Select Category)
variable measured: Minimum Credit Score for Prime Cards
variable measured: Total Credit Card Products
variable measured: Customer Satisfaction Score (J.D. Power 2024)
variable measured: US Merchant Acceptance Rate
variable measured: Total Physical Branches
is based on: https://www.aversusb.net/compare/capital-one-vs-chase

Capital One vs Chase — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Capital One vs Chase.
has defined term: Flexibility
has defined term: Savings
has defined term: Usability
has defined term: Travel
has defined term: Premium
has defined term: Rewards
has defined term: Savings Products
has defined term: Fees
has defined term: Distribution
has defined term: Product Variety
has defined term: Lending Products
has defined term: Service Quality
has defined term: Credit Requirements
has defined term: Speed
has defined term: Lending Terms
has defined term: Interest & Fees
has defined term: Scale
has defined term: Loan Terms
has defined term: Eligibility
has defined term: Costs
has defined term: Service Breadth
has defined term: Accessibility
has defined term: Benefits
has defined term: Deposit Rates
has defined term: Credit Products
has defined term: Fees & Costs
has defined term: Digital Tools
has defined term: Account Requirements
has defined term: Banking Costs
has defined term: Interest Rates
has defined term: Financial Scale
has defined term: Services
has defined term: Lending
has defined term: Customer Experience
has defined term: Cost & Rates
has defined term: Loan Limits
has defined term: Digital Experience
has defined term: Pricing
has defined term: Approval
has defined term: Product Portfolio
has defined term: Customer Service
has defined term: Acceptance
has defined term: Physical Presence
has defined term: Expansion
has defined term: Luxury Services
has defined term: Digital Innovation
has defined term: Technology
has defined term: Wealth Management
has defined term: Digital Banking
has defined term: Financial Strength
has defined term: Lending Capacity
has defined term: Rewards Programs
has defined term: Growth Forecast
has defined term: Financial Performance
has defined term: Profitability
has defined term: Investment Services
has defined term: Travel Benefits
has defined term: Business Services
has defined term: Company History

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Travel
type: DefinedTerm
term code: travel
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Premium
type: DefinedTerm
term code: premium
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Rewards
type: DefinedTerm
term code: rewards
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Savings Products
type: DefinedTerm
term code: savings-products
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Distribution
type: DefinedTerm
term code: distribution
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Product Variety
type: DefinedTerm
term code: product-variety
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Lending Products
type: DefinedTerm
term code: lending-products
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Credit Requirements
type: DefinedTerm
term code: credit-requirements
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Speed
type: DefinedTerm
term code: speed
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Lending Terms
type: DefinedTerm
term code: lending-terms
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Interest & Fees
type: DefinedTerm
term code: interest-&-fees
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Loan Terms
type: DefinedTerm
term code: loan-terms
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Eligibility
type: DefinedTerm
term code: eligibility
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Costs
type: DefinedTerm
term code: costs
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Service Breadth
type: DefinedTerm
term code: service-breadth
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Benefits
type: DefinedTerm
term code: benefits
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Deposit Rates
type: DefinedTerm
term code: deposit-rates
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Credit Products
type: DefinedTerm
term code: credit-products
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Fees & Costs
type: DefinedTerm
term code: fees-&-costs
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Digital Tools
type: DefinedTerm
term code: digital-tools
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Banking Costs
type: DefinedTerm
term code: banking-costs
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Interest Rates
type: DefinedTerm
term code: interest-rates
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Financial Scale
type: DefinedTerm
term code: financial-scale
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Services
type: DefinedTerm
term code: services
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Lending
type: DefinedTerm
term code: lending
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Cost & Rates
type: DefinedTerm
term code: cost-&-rates
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Loan Limits
type: DefinedTerm
term code: loan-limits
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Approval
type: DefinedTerm
term code: approval
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Product Portfolio
type: DefinedTerm
term code: product-portfolio
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Acceptance
type: DefinedTerm
term code: acceptance
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Physical Presence
type: DefinedTerm
term code: physical-presence
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Expansion
type: DefinedTerm
term code: expansion
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Luxury Services
type: DefinedTerm
term code: luxury-services
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Digital Innovation
type: DefinedTerm
term code: digital-innovation
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Wealth Management
type: DefinedTerm
term code: wealth-management
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Digital Banking
type: DefinedTerm
term code: digital-banking
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Financial Strength
type: DefinedTerm
term code: financial-strength
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Lending Capacity
type: DefinedTerm
term code: lending-capacity
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Rewards Programs
type: DefinedTerm
term code: rewards-programs
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Growth Forecast
type: DefinedTerm
term code: growth-forecast
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Profitability
type: DefinedTerm
term code: profitability
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Investment Services
type: DefinedTerm
term code: investment-services
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Travel Benefits
type: DefinedTerm
term code: travel-benefits
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Business Services
type: DefinedTerm
term code: business-services
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

Company History
type: DefinedTerm
term code: company-history
in defined term set: Capital One vs Chase — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-06-12T03:17:55.841Z
author: A Versus B
publisher: A Versus B
is part of: capital-one-vs-chase
main entity: Can Capital One points be transferred to airlines?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which is better for everyday spending?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Who benefits most from Chase's Hyatt partnership?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What's the annual fee difference between these cards?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which offers better savings account rates in 2026?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Are Chase and Capital One affiliated?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between Capital One and Chase
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Cash Back Structure
step: Consider: Redemption Flexibility
step: Consider: Travel Value Proposition
step: Consider: User Experience
step: Consider: Ecosystem Integration
step: Consider: Earning Rate Consistency
step: Consider: Savings Features
step: Consider: Premium Card Ecosystem
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Cash Back Structure
type: HowToStep
position: 1
text: Cash Back Structure: Capital One has 2x on everything (flat rate), while Chase has Category-based (5x travel, 3x dining).

Consider: Redemption Flexibility
type: HowToStep
position: 2
text: Redemption Flexibility: Capital One has Multiple transfer partners (Avios, AF, Air Canada), while Chase has Limited to Hyatt 1:1 partnership.

Consider: Travel Value Proposition
type: HowToStep
position: 3
text: Travel Value Proposition: Capital One has Flexible points transfer, while Chase has Premium hotel redemption (1:1 Hyatt).

Consider: User Experience
type: HowToStep
position: 4
text: User Experience: Capital One has Simple, straightforward earning, while Chase has Complex category tracking required.

Consider: Ecosystem Integration
type: HowToStep
position: 5
text: Ecosystem Integration: Capital One has Standalone transfer partnerships, while Chase has Integrated Chase Travel platform.

Consider: Earning Rate Consistency
type: HowToStep
position: 6
text: Earning Rate Consistency: Capital One has Uniform 2x across all purchases, while Chase has Varies by category (3x-5x).

Consider: Savings Features
type: HowToStep
position: 7
text: Savings Features: Capital One has 2.5% savings rate on deposits, while Chase has Standard banking services.

Consider: Premium Card Ecosystem
type: HowToStep
position: 8
text: Premium Card Ecosystem: Capital One has Limited premium offerings, while Chase has Sapphire Preferred with comprehensive benefits.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Capital One vs Chase
review body: 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.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Capital One vs Chase

Maximum APR (Personal Loans)
type: PropertyValue
value: Capital One: 29.99% | Chase: N/A

Origination Fee Range
type: PropertyValue
value: Capital One: 0% - 8% | Chase: N/A

Loan Funding Time
type: PropertyValue
value: Capital One: 2-3 business days | Chase: N/A

Maximum Loan Amount
type: PropertyValue
value: Capital One: Varies by product (up to $100k+ for auto loans) | Chase: N/A

Customer Base Size
type: PropertyValue
value: Capital One: 195 million customers | Chase: N/A

Savings Account APY (2026)
type: PropertyValue
value: Capital One: 4.20% - 4.35% | Chase: N/A

Monthly Checking Account Fee
type: PropertyValue
value: Capital One: $0 | Chase: N/A

Credit Card Rewards (Best)
type: PropertyValue
value: Capital One: 5% rotating | Chase: N/A

Overdraft Fee
type: PropertyValue
value: Capital One: $0 (with SafePass) | Chase: N/A

Mobile App Rating
type: PropertyValue
value: Capital One: 4.3/5.0 | Chase: N/A

Total Assets (2026)
type: PropertyValue
value: Capital One: $475+ | Chase: N/A

Lowest Annual Fee Card
type: PropertyValue
value: Capital One: $0 | Chase: N/A

Premium Card Annual Fee (Flagship)
type: PropertyValue
value: Capital One: $495 (Venture X equivalent) | Chase: N/A

Average Rewards Rate on Flat Cash Card
type: PropertyValue
value: Capital One: 1.5% | Chase: N/A

Top-Tier Card Rewards Rate (Select Category)
type: PropertyValue
value: Capital One: 5% (rotating) | Chase: N/A

Minimum Credit Score for Prime Cards
type: PropertyValue
value: Capital One: 670+ | Chase: N/A

Total Credit Card Products
type: PropertyValue
value: Capital One: 65+ | Chase: N/A

Customer Satisfaction Score (J.D. Power 2024)
type: PropertyValue
value: Capital One: 82/100 | Chase: N/A

US Merchant Acceptance Rate
type: PropertyValue
value: Capital One: 95% | Chase: N/A

Total Physical Branches
type: PropertyValue
value: Capital One: N/A | Chase: 4,800

New Branches Opening (2026)
type: PropertyValue
value: Capital One: N/A | Chase: 160+

Premium Service Centers
type: PropertyValue
value: Capital One: N/A | Chase: 21 with expansion plan

Best Travel Rewards Card
type: PropertyValue
value: Capital One: N/A | Chase: Chase Sapphire Preferred (3x points)

Digital Engagement Value
type: PropertyValue
value: Capital One: N/A | Chase: Not specified

AI-Driven Personalization
type: PropertyValue
value: Capital One: N/A | Chase: Standard digital banking features

Credit Card Rewards Program Depth
type: PropertyValue
value: Capital One: N/A | Chase: Chase Ultimate Rewards (10+ redemption categories)

Geographic Market Coverage (2026)
type: PropertyValue
value: Capital One: N/A | Chase: 30+ states

Investment Advisory Services
type: PropertyValue
value: Capital One: N/A | Chase: Solid advisory offerings

Mobile App User Rating
type: PropertyValue
value: Capital One: N/A | Chase: Highly rated, feature-rich

Checking Account Minimum Balance
type: PropertyValue
value: Capital One: N/A | Chase: Varies by account type ($500-$15,000)

Overall Customer Satisfaction Score
type: PropertyValue
value: Capital One: N/A | Chase: Ranks higher across banking metrics

Total Assets
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Total Loans Portfolio
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Credit Card Rewards Tiers
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Expected Loan Growth (2026)
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Net Interest Income Guidance (2026)
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Digital Banking Innovation Score
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Mortgage Product Competitiveness
type: PropertyValue
value: Capital One: N/A | Chase: Chase

Total Assets Under Management
type: PropertyValue
value: Capital One: N/A | Chase: Chase: $3.8T

Physical Branches
type: PropertyValue
value: Capital One: N/A | Chase: 4,700 branches

ATM Network Size
type: PropertyValue
value: Capital One: N/A | Chase: 16,000+ ATMs

Mobile App Users
type: PropertyValue
value: Capital One: N/A | Chase: 42 million users

Top Credit Card Cashback Rate
type: PropertyValue
value: Capital One: N/A | Chase: 5% rotating categories

Minimum Checking Balance
type: PropertyValue
value: Capital One: N/A | Chase: $0 (most accounts)

Q1 2026 Net Income
type: PropertyValue
value: Capital One: N/A | Chase: $8.6 billion

Wealth Management Assets
type: PropertyValue
value: Capital One: N/A | Chase: $2.8 trillion

Average Premium Card Annual Fee
type: PropertyValue
value: Capital One: N/A | Chase: $95

Global Merchant Acceptance Rate
type: PropertyValue
value: Capital One: N/A | Chase: 98%

Trip Delay Insurance Coverage
type: PropertyValue
value: Capital One: N/A | Chase: $100,000

Maximum Dining Rewards Rate
type: PropertyValue
value: Capital One: N/A | Chase: 3X

No-Fee Card Options Available
type: PropertyValue
value: Capital One: N/A | Chase: 8

Business Card Portfolio Size
type: PropertyValue
value: Capital One: N/A | Chase: 25

Emergency Evacuation Insurance
type: PropertyValue
value: Capital One: N/A | Chase: $5,000

Years Operating as Card Company
type: PropertyValue
value: Capital One: N/A | Chase: 160+ years (founded 1865)

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
css selector: #faq
xpath: //*[@id='short-answer']
xpath: //*[@id='verdict']

Capital One — Wikipedia
type: CreativeWork

Chase — Wikipedia
type: CreativeWork

Compare Capital One vs Chase
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/capital-one-vs-chase
object: Capital One
object: Chase

Lowest Annual Fee Card
type: PropertyValue
value reference: Pricing

Premium Card Annual Fee (Flagship)
type: PropertyValue
value reference: Pricing

Average Rewards Rate on Flat Cash Card
type: PropertyValue
value reference: Rewards

Top-Tier Card Rewards Rate (Select Category)
type: PropertyValue
value reference: Rewards

Minimum Credit Score for Prime Cards
type: PropertyValue
value reference: Approval

Total Credit Card Products
type: PropertyValue
value reference: Product Portfolio

Customer Satisfaction Score (J.D. Power 2024)
type: PropertyValue
value reference: Customer Service

US Merchant Acceptance Rate
type: PropertyValue
value reference: Acceptance

Total Physical Branches
type: PropertyValue
value reference: Physical Presence

New Branches Opening (2026)
type: PropertyValue
value reference: Expansion

Premium Service Centers
type: PropertyValue
value reference: Luxury Services

Best Travel Rewards Card
type: PropertyValue
value reference: Credit Products

Digital Engagement Value
type: PropertyValue
value reference: Digital Innovation

AI-Driven Personalization
type: PropertyValue
value reference: Technology

Credit Card Rewards Program Depth
type: PropertyValue
value reference: Rewards

Geographic Market Coverage (2026)
type: PropertyValue
value reference: Expansion

Investment Advisory Services
type: PropertyValue
value reference: Wealth Management

Mobile App User Rating
type: PropertyValue
value reference: Digital Banking

Checking Account Minimum Balance
type: PropertyValue
value reference: Account Requirements

Overall Customer Satisfaction Score
type: PropertyValue
value reference: Service Quality

Total Assets
type: PropertyValue
value reference: Financial Strength

Total Loans Portfolio
type: PropertyValue
value reference: Lending Capacity

Credit Card Rewards Tiers
type: PropertyValue
value reference: Rewards Programs

Expected Loan Growth (2026)
type: PropertyValue
value reference: Growth Forecast

Net Interest Income Guidance (2026)
type: PropertyValue
value reference: Financial Performance

Digital Banking Innovation Score
type: PropertyValue
value reference: Technology

Mortgage Product Competitiveness
type: PropertyValue
value reference: Lending Products

Total Assets Under Management
type: PropertyValue
value reference: Financial Strength

Physical Branches
type: PropertyValue
value reference: Accessibility

ATM Network Size
type: PropertyValue
value reference: Accessibility

Mobile App Users
type: PropertyValue
value reference: Digital Banking

Top Credit Card Cashback Rate
type: PropertyValue
value reference: Rewards

Minimum Checking Balance
type: PropertyValue
value reference: Account Requirements

Q1 2026 Net Income
type: PropertyValue
value reference: Profitability

Wealth Management Assets
type: PropertyValue
value reference: Investment Services

Average Premium Card Annual Fee
type: PropertyValue
value reference: Costs

Global Merchant Acceptance Rate
type: PropertyValue
value reference: Usability

Trip Delay Insurance Coverage
type: PropertyValue
value reference: Travel Benefits

Maximum Dining Rewards Rate
type: PropertyValue
value reference: Rewards

No-Fee Card Options Available
type: PropertyValue
value reference: Accessibility

Business Card Portfolio Size
type: PropertyValue
value reference: Business Services

Emergency Evacuation Insurance
type: PropertyValue
value reference: Travel Benefits

Years Operating as Card Company
type: PropertyValue
value reference: Company History