Capital One Platinum Secured vs. Chase Ink Business Preferred®
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
Chase Ink Business Preferred®
Chase
4.8
100,000-point bonus. 3x on travel, shipping, advertising.
Full review →WealthSpott Verdict
Capital One Platinum Secured and Chase Ink Business Preferred® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
Chase Ink Business
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
None
100,000 points
Rewards Rate
0%
1x-3x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
21.24%-26.24% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
720-850
Capital One Platinum Secured
Chase Ink Business Preferred®
Pros
- 100,000-point bonus worth $1,250+ in travel
- 3x on travel, shipping, and advertising
- Points transfer to airline and hotel partners
- No foreign transaction fees
Cons
- $8,000 minimum spend for bonus
- Requires a business (sole proprietor OK)
- $95 annual fee
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