Capital One Venture Rewards Credit Card vs. Chase Freedom Flex
On the criteria below, Capital One Venture Rewards Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.
Capital One Venture Rewards Credit Card
Capital One
Chase Freedom Flex
Chase
Capital One Venture Rewards Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.
Capital One Venture Rewards Credit Card wins on first-year math and foreign transactions; Chase Freedom Flex wins on annual fee.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Chase Freedom Flex if you want a cheaper card to keep long-term.
Who wins what
2 vs 1 (1 tie)- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Flex
Chase Freedom Flex is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,125
- $200
- First-year net
- +$1,030
- +$200
- Peak earning rate
- 5×
- 5×
- Top categories
- Travel Portal, Capital One Entertainment
- Rotating Quarterly, Chase Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Capital One Miles
- 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.