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Chase Sapphire Preferred® Card vs Capital One Platinum

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Capital One Platinum, a Fair Credit credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95, while the Capital One Platinum has a $0 annual fee.

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Chase Sapphire Preferred® Card

Capital One® Platinum Credit Card

 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factors24.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factors24.99% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater. No balance transfer fee
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$0 Intro Annual Fee for the First Year, then $95$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® 
Travel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Dining RewardsDining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Pros:
  • No Annual Fee
Cons:
  • No rewards
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewGood no annual fee credit card for people with average credit... Read full review
 Apply NowLearn More

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Capital One® Platinum Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on June 28, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Chase Sapphire Preferred® Card In-Depth


Explore Capital One® Platinum Credit Card In-Depth


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    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Compare Chase Sapphire Preferred to:

Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$450
Premier Rewards Gold Card

Premier Rewards Gold Card from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
Annual Fee
Introductory annual fee of $0 for the first year, then $195

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

Compare Capital One Platinum to:


Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0


StudentCash Back RewardsCar Rental InsuranceExtended WarrantyTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99% (Variable)
$0

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Journey® Student Rewards from Capital One® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.



About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.