Capital One Platinum Credit Card vs. Chase Sapphire Preferred
On the criteria below, Chase Sapphire Preferred wins 3 of 4. The verdict depends on which criteria matter to you.
Capital One Platinum Credit Card
Capital One
Chase Sapphire Preferred
Chase
Chase Sapphire Preferred wins 3 of 4 criteria here, making it the stronger all-rounder.
Capital One Platinum Credit Card wins on annual fee; Chase Sapphire Preferred wins on first-year math, earning ceiling, and travel insurance.
Pick the Chase Sapphire Preferred if year-one math is your priority; take the Capital One Platinum Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 3- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Capital One Platinum Credit Card
Capital One Platinum Credit Card is $95 cheaper to keep.
- Earning ceiling Chase Sapphire Preferred
Chase Sapphire Preferred earns more on its best category (5× vs 0×).
- Travel insurance Chase Sapphire Preferred
Chase Sapphire Preferred carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- $1,700
- First-year net
- +$0
- +$1,605
- Peak earning rate
- —
- 5×
- Top categories
- —
- Chase Travel Portal, Dining, Lyft
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- —
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.