Dedicated comparison page

Capital One Venture Rewards vs Chase Freedom Unlimited

Capital One Venture Rewards vs Chase Freedom Unlimited on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeChase Freedom UnlimitedNo annual fee
Highest reward rateCapital One Venture Rewards5.0%
Lowest starting credit rangeChase Freedom Unlimited670+

Quick Take

Capital One Venture Rewards

by Capital One

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Capital One Venture Rewards is a travel card from Capital One with a $95 annual fee, 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 5% on Travel-portal
  • 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
  • No foreign transaction fee
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Chase Freedom Unlimited

by Chase

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Chase Freedom Unlimited is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Travel
  • $200 bonus after $500 in 3 months
  • Foreign transaction fee: 3%
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Side-by-Side Facts

MetricCapital One Venture RewardsChase Freedom Unlimited
Annual Fee$95None
Reward Rate5.0%5.0%
Signup Bonus75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening$200 bonus after $500 in 3 months
Foreign Transaction FeeNone3.0%
Recommended CreditGood to excellent creditFair to good credit
Rewards SummaryEarn elevated rewards with 5% on Entertainment, 5% on Travel-portal and 2% on Other, plus 2% on other purchases.Earn elevated rewards with 5% on Travel, 3% on Dining and 3% on Drugstores, plus 1.5% on other purchases.

Who Should Pick Which Card?

Capital One Venture Rewards

Its strongest earning category is Travel-portal at 5%, backed by 2% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 5% on Travel-portal
  • Earns 5% on Entertainment

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months

Chase Freedom Unlimited

Its strongest earning category is Travel at 5%, backed by 1.5% on general spending.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 bonus after $500 in 3 months
  • No annual fee to offset rewards
  • Earns 5% on Travel
  • Earns 3% on Dining

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad

Frequently Asked Questions

What is the main difference between Capital One Venture Rewards and Chase Freedom Unlimited?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Chase Freedom Unlimited has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Chase Freedom Unlimited has the lowest annual fee in this comparison at no annual fee.