Chase Sapphire Preferred® Card vs. Capital One Platinum Secured
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →WealthSpott Verdict
Chase Sapphire Preferred® Card and Capital One Platinum Secured are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Chase Sapphire Preferred®
Capital One Platinum
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
None
Rewards Rate
1x-5x
0%
Rewards Type
Points
None
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable Best
29.99% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
300-669
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Capital One Platinum Secured
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