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Capital One Venture Rewards vs Chase Freedom Flex
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Venture RewardsCapital One | Chase Freedom FlexChase |
|---|---|---|
| Rating | 4.6/5 | 4.6/5 |
| Annual Fee | $95 | $0 |
| APR | 19.49% - 28.49% | 18.24% - 27.74% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months, plus $250 Capital One Travel credit in first year | $200 bonus after spending $500 in 3 months |
| Rewards Rate | 5X on hotels and rental cars via Capital One Travel, 2X on every purchase | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else |
| Credit Score | good | good |
| Pros | 2X miles on every purchase with no category tracking 75,000 mile bonus plus $250 travel credit for new cardholders No foreign transaction fees and transfer to 15+ partners | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers |
| Cons | $95 annual fee with no travel credits to offset 2X base rate trails Venture X's earning structure No lounge access or premium perks | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture Rewards
Both cards tie at 4.6/5, but At $95/yr, the value proposition is strong. The Capital One Venture is the sweet spot between simplicity and travel rewards. Flat 2X miles on everything with transfer partners and no foreign transaction fees — all for $95/year.