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Capital One Journey vs Chase Freedom

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Journey is a student and cash back credit card. How does it compare to Chase Freedom, a cash back credit card? Read our comparison chart below.

Note: Journey® Student Rewards from Capital One® is a credit card for student while Chase Freedom is a credit card for consumer.

 

Journey® Student Rewards from Capital One®

Chase Freedom

 Student Credit CardPersonal Credit Card
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Introductory APR for Balance TransfersN/A0% introductory APR for 15 months
Purchase APR24.99% (Variable) based on your creditworthiness and other factors16.24% to 24.99% Variable based on your creditworthiness and other factors
Balance Transfers APR24.99% (Variable) based on your creditworthiness and other factors16.24% to 24.99% Variable based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeEither $5 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

StudentStudent 
Introductory Bonus Cash Back Introductory Bonus Cash Back: Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Cash Back RewardsCash Back Rewards: Earn 1% cash back on all purchases. If you pay on time, you can boost your cash back to a total of 1.25% for that month.Cash Back Rewards: Unlimited 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2017:
October - December 2017: Walmart and department stores
Bonus Categories for 2018:
January - March 2018: Gas stations, internet/cable/phone services and Chase Pay, Apple Pay, Android Pay, Samsung Pay
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineExcellent cash back credit card for cardholders who pay in full... Read full review
 Learn MoreRead Chase Freedom Review

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 Journey® Student Rewards from Capital One® and Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Journey: Pricing information including interest rates, rewards, benefits and fees was obtained on July 19, 2017 from published websites and is believed to be accurate, but not guaranteed.

Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on January 12, 2018 from published websites and is believed to be accurate, but not guaranteed.


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Compare Chase Freedom to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
16.24% - 24.99% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.24% - 24.24% Variable
Annual Fee
$0 Intro for the First Year, then $95
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.24% - 25.24% Variable
Annual Fee
$0
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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.