Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Capital One Venture Rewards Chase Freedom Flex

Capital One Venture Rewards

$95/yr

Venture Rewards
Freedom Flex

Chase Freedom Flex

$0/yr

Every $1 · two cards

Capital One Venture Rewards earns more in 7 of 9 categories · Chase Freedom Flex in 1

  • Dining
    2×3.6¢ per $1
    3%3¢ per $1
  • Groceries
    2×3.6¢ per $1
    1%1¢ per $1
  • Gas
    2×3.6¢ per $1
    1%1¢ per $1
  • Flights
    2×3.6¢ per $1
    5%5¢ per $1

    via Chase Travel

  • Hotels
    5×9¢ per $1

    via Capital One Travel

    5%5¢ per $1

    via Chase Travel

  • Everything else
    2×3.6¢ per $1
    1%1¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Chase Freedom FlexBigger welcome offer: Capital One Venture Rewards

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel · Cash Back rewards
  • 5×Rotating categories
  • 3×Dining at restaurants
  • 3×Drugstore purchases

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • World Elite Mastercard benefits · $0
  • Auto Rental Collision Damage Waiver · $0
  • 24/7 Fraud Monitoring · $0
  • Extended Warranty · $0
Full Chase Freedom Flex review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer