Dedicated comparison page
Capital One Venture X Rewards vs Chase Freedom Unlimited on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Capital One
Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
by Chase
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.
| Metric | Capital One Venture X Rewards | Chase Freedom Unlimited |
|---|---|---|
| Annual Fee | $395 | None |
| Reward Rate | 2.0% | 1.5% |
| Signup Bonus | 75,000 miles after $4,000 in 3 months | $200 bonus after $500 in 3 months |
| Foreign Transaction Fee | None | 3.0% |
| Recommended Credit | Excellent credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 10% on Travel, plus 2% on other purchases. | Earn elevated rewards with 5% on Travel, 3% on Dining and 3% on Groceries, plus 1.5% on other purchases. |
Its strongest earning category is Travel at 10%, backed by 2% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
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.
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.
Chase Freedom Unlimited has the lowest published starting credit range in this comparison at 670.
Chase Freedom Unlimited has the lowest annual fee in this comparison at no annual fee.