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Now is one of the best times of the year to find valuable credit card offers. As we go into the season of booking holiday spending, Chase and Capital One are two banks to watch. Both card-issuers are offering the ability for new cardholders to earn at least $750 in award travel. In this review of Chase and Capital One credit card offers, we’ll explore the ways you can benefit.

chase vs capital one credit card offers
Some of the benefits Chase offers include Lyft rides. See what else is available in this review of Chase and Capital One credit card offers to find the best fit for you. Credit: Lyft

Editor’s Note: Some of the offers below may have expired or are no longer available on our site. 

Chase and Capital One Credit Card Offers

This year has been a challenge and many businesses have taken notice to try to help. That includes credit card issuers, like Chase and Capital One. As mentioned above, we are seeing a number of exciting new offers (you can check out our roundup of the best credit card offers for more information) that make it easier for cardholders to get more out of their cards during this difficult time.

In this review of Chase and Capital One credit card offers, we break down the different ways you can earn more rewards. Using your cards can help you maximize your purchase rewards. Let’s take a look at how you can earn more for your spending.

Best Chase Current Credit Card Offers

To begin this Chase and Capital One credit card offers review, let’s start with Chase. Chase is offering several enhanced offers for its travel and cashback cards. They’ve also introduced two new cards in recent weeks.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card is one of the best travel credit cards.

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.

And through March 2022, Lyft rides earn 5x points.

Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.

Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. Points are worth 25% more now through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 25% more when redeemed through the new Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

The annual fee is $95. You can qualify for this bonus if you haven’t received a Chase Sapphire bonus in the last 48 months and currently do not have another Chase Sapphire product.

Chase Freedom Flex

The Chase Freedom Flex℠ is one of the two new Chase credit cards and replaces the Chase Freedom®.

New Chase Freedom Flex℠ cardholders can earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, they can earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Your points can also be redeemed for award travel and gift cards for up to $200 value. Chase Sapphire cardholders can pool their Freedom Flex earnings to take advantage of the travel redemption bonus and point transfers.

The Freedom Flex also earns up to 5% back on purchases, including 5% back on the first $1,500 in combined purchases in bonus categories that rotate each quarter (once activated). Cardholders also earn an unlimited 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% back on all other purchases.

There is no annual fee for this card. If you want to know more, you can check out our reasons why you should get the Chase Freedom Flex.

Ink Business Preferred Credit Card

The Chase Ink Business Preferred® Credit Card has one of the highest business credit card bonuses. You can earn 100,000 Ultimate Rewards by spending $15,000 in the first 3 months. This bonus is worth up to $1,200 in award travel.

The first $150,000 in combined annual travel, shipping purchases, online advertising, and internet, phone, and cable services earn 3 points per $1. This is one of several of the best Chase business credit cards that has plenty to offer.

The annual fee is $95.

Southwest Rapid Rewards Performance Business Credit Card

The Southwest Rapid Rewards® Performance Business Credit Card offers the ability to earn 80,000 bonus Rapid Rewards points.

New Southwest Rapid Rewards® Performance Business Credit Card cardmembers can earn 80,000 bonus points after spending $5,000 on purchases in the first 3 months of account opening. 

Some of the card benefits include:

  • Earn up to 3x Rapid Rewards on purchases
  • Four Upgraded Bookings per year (when available)
  • Up to 365 inflight wifi credits per year
  • 9,000 bonus points each card anniversary
  • Global Entry or TSA PreCheck application fee credit

The annual fee is $199. It’s possible to still qualify for this offer if you have a personal Southwest Airlines credit card or the Southwest Rapid Rewards® Premier Business Credit Card.

Southwest offers two free checked bags and open seating, regardless of whether you are a cardholder. You can read more about the best Southwest credit cards and what this fan favorite airline has to offer.

IHG Rewards Club Premier Credit Card

The Chase IHG® Rewards Club Premier Credit Card is offering the ability to earn 150,000 points by spending $3,000 in the first 3 months. There is a $0 intro annual fee for the first year, then $89.

You also earn up to 25x points per $1 IHG purchases (including your Platinum Elite loyalty status), one anniversary reward night each card renewal, and a 4th reward night on a 4+ night stay. Cardholders also earn 2x points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1x point per $1 spent on all other purchases.

United Business Card

New United℠ Business Card cardholders can earn up to 150,000 bonus miles! New cardholders will earn 75,000 miles after spending $5,000 on purchases in the first 3 months the account is open. Then, they can earn an additional 75,000 miles after spending $20,000 total in the first 6 months.

Award flights start at 12,500 miles, so earning this bonus can get you several roundtrip flights!

Other card benefits include earning up to 2x miles on United Airlines purchases, at restaurants (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting. Cardholders also earn 1x mile per $1 spent on all other purchases. Cardholders can also enjoy a $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.

With perks like a free first checked bag (a savings of up to $140 per roundtrip—terms apply), 2 United Club one-time passes per year, and priority boarding privileges, the United Business Card has plenty to offer.

Additionally, cardholders can also enjoy unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for one year with DashPass, DoorDash’s membership service. Activate by 12/31/21.

The annual fee is $99.

Best Capital One Current Credit Card Offers

Now that we’ve gone through what Chase has to offer, let’s check out what Capital One is bringing to the table. While there aren’t as many options as Chase, the quality of the offers is still worthy of consideration.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has increased its standard signup bonus.

New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

Your purchases earn 2x miles per $1 spent. You can redeem miles for travel statement credits or transfer to an airline and hotel partner. The annual fee is $95.

Learn more: Travel Rewards Credit Cards

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card earns a one-time $200 cash bonus after spending $500 on purchases in the first 3 months from account opening. All card purchases earn unlimited 1.5% back. There isn’t an annual fee or foreign transaction fee.

Learn more: Cash Back Credit Cards

Capital One Walmart Rewards Card

The information for the Capital One® Walmart Rewards® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

You might be spending more money at your local Walmart than in previous years. If you foresee that habit continuing for the next year, consider the Capital One® Walmart Rewards® Card.

The signup bonus is 5% back at Walmart stores when you pay using the Walmart Pay digital wallet and link your Capital One Walmart Rewards Card.

The normal cash back rate is 2% back for in-store purchases (and on restaurants and travel) and 5% back on Walmart.com orders including pickup and delivery. Cardholders earn 1% back everywhere else Mastercard is accepted.

This card doesn’t have an annual fee.

Summary of Chase and Capital One Credit Card Offers

The travel credit cards from Chase and Capital One have the most valuable signup bonus offers. The spending requirements can be easy to reach and you can enjoy ongoing benefits at the same time. A cash rewards card can be a good alternative if you have a small budget or want to earn an easy bonus.

FAQs

Which is a better credit card? Chase or Capital One?

Chase tends to offer better credit cards for most travel rewards. The best Chase credit card might be the Chase Sapphire Preferred.

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

The annual fee is $95 which is reasonable for many average travelers.

The Capital One Venture can be a better option when you want to earn flat rewards on all purchases. The standard purchase rate is 2x miles. You can redeem your miles for travel statement credits or transfer to an airline or hotel partner. The annual fee is $95.

You might also apply for the Capital One Venture first when you have opened at least 5 new credit cards in the most recent 24 months. The Chase 5/24 rule discourages churning Chase credit cards.

Related: Chase Sapphire Preferred vs Capital One Venture Review

Which is better? Chase Freedom Flex or Capital One Quicksilver?

The Chase Freedom Flex can be the better option when your normal spending in the purchase rewards bonus categories. You earn up to 5% back on the first $1,500 in quarterly bonus categories (once activated) and travel you book using the Chase Ultimate Rewards travel portal. Dining and drugstore purchases earn 3% back. You can redeem your points for award travel, cash back, and gift cards.

There is no annual fee but you pay 3% on foreign transactions.

The Capital One Quicksilver earns 1.5% back on all purchases. This card can be a better option if you want a simple method of earning rewards or your spending habits don’t match the Freedom Flex bonus categories. The signup bonus is $150 bonus cash by spending $500 in the first 3 months. There is no annual fee or foreign transaction fee.

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  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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