Chase vs Capital One: Credit Card Comparison

Comparing Chase to Capital One can be tricky. They are two of the biggest credit card issuers, especially when it comes to high value credit cards and tempting welcome offers.

You will find many similarities between the best Capital One credit cards and the best Chase credit cards, but there are some important differences to note between Chase and Capital One. Ultimately, the best credit card for you depends on your spending habits and financial goals. We will analyze the differences between the two issuers and examine their strengths and weaknesses to help you make your decision.

Comparison of Chase and Capital One credit cards

When it comes to Chase vs Capital One, both offer a range of reward cards, as well as cards for people with average credit. Capital One tends to offer more options for people with lower credit scores, while Chase tends to offer more credit cards for people with great credit who want high rewards.

Chase’s referral program rewards customers – often up to 10,000 points – each time they refer a friend who is approved for a credit card. Capital One does not have a referral program.

Both issuers offer a handful of co-branded credit cards, or credit cards offered in conjunction with major retailers and popular rewards programs. Chase’s co-branded cards are largely focused on the travel space, earning rewards with airline and hotel loyalty programs. Capital One’s co-branded credit cards are popular retail, with in-store credit cards earning rewards in places like Kohl’s, Walmart, and Saks Fifth Avenue.

When it comes to fraud protection with Chase vs Capital One, both issuers have a zero fraud liability policy, which means you are not responsible for card purchases found to be fraudulent.

What you need to know about Chase credit cards

The best Chase credit cards include some of the most coveted rewards cards, and there are plenty of options for using more than one Chase credit card to earn rewards even faster.

Having said that, they do have some peculiarities when it comes to credit card approvals. The 5/24 chase rule is the most important, and it limits approvals to people who have opened fewer than five credit cards in the past 24 months. If you’ve opened five or more credit cards in the past two years, you won’t be eligible for a Chase credit card.

What you need to know about Capital One credit cards

Capital One also has specific rules regarding credit card approvals. While you can have as many Chase credit cards as you want, Capital One will not allow you to hold more than two of its personal credit cards at a time. They also pull your credit report from all three bureaus when you submit an application, so you will get three requests for your credit history instead of one.

Chase vs Capital One: which one is better for you?

Chase’s battle against Capital One is difficult, as both have their strengths and weaknesses. When deciding which credit card is best for you, it’s important to take a close look at the type of credit card you’re interested in. Here are our picks for the best issuer between Chase and Capital One, depending on the type of credit card you want.

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