Capital One Platinum Secured vs. Chase Sapphire Reserve®
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 Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →WealthSpott Verdict
Capital One Platinum Secured and Chase Sapphire Reserve® 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 Sapphire Reserve®
Annual Fee
$0 Best
$550/yr
Sign-up Bonus
None
60,000 points
Rewards Rate
0%
1x-10x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
22.49%-29.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
720-850
Capital One Platinum Secured
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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