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Chase Freedom Flex℠ vs. Capital One® Venture® Rewards Credit Card

Choose between a cashback card and a travel card.

Megan Horner
Megan Horner

Updated

Fact checked

The winner: Chase Freedom Flex℠

Chase Freedom Flex℠ logo

Up to 5%

Cash back

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • New rewards on travel, dining and drugstores
  • No annual fee
Apply now
These two cards differ in many ways. The Chase Freedom Flex℠ is an entry-level card with a $0 annual fee and accelerated cash back on rotating categories each quarter, while the Capital One® Venture® Rewards Credit Card is a mid-tier card with a $95 annual fee and it lets you earn unlimited miles on all purchases.

You’ll find other differences in the table below.

Chase Freedom Flex℠

Chase Freedom Flex℠

Rates & Fees

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

4.7 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Long intro APR period and cash back in rotating categories
  • High unlimited mile-earning rate on all purchases
Welcome offer
Welcome offer

$200 after spending $500 in the first 3 months

60,000 bonus miles after spending $3,000 in the first 3 months plus miles after spending in the first

Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

5x miles on Uber Eats and 2x miles on all purchases
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

17.24%, 21.99% or 24.49% variable

Annual fee
Annual fee $0 $95
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable 17.24% to 24.49% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.49% variable

Fee: $10 or 3% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Summary of card features

Chase Freedom Flex℠

Chase Freedom Flex℠

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • 5% on travel purchased through Chase
  • 3% on dining and drugstores
  • 1% on all other purchases
  • Intro APR on purchases

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Earn an unlimited 2x miles on all purchases.
  • Get a 60,000-mile welcome offer after you spend $3,000 in your first 3 months.
  • Earn an additional miles after spending on purchases within the first .
  • Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100.

Compare Chase Freedom Flex℠ vs. Capital One® Venture® Rewards Credit Card

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Apply now
View details
Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
60,000 bonus miles after spending $3,000 in the first 3 months plus miles after spending in the first
5x miles on Uber Eats and 2x miles on all purchases
$95
Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
View details
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