Capital One vs Chase
Chase CASHBACK pays 18.24% APR; Capital One CASHBACK pays 18.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Capital One
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Open with Capital One →Option B
Chase
- Min
- $0
- Fee
- $0/mo
Best for: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Open with Chase →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.