Chase Freedom Unlimited® vs Capital One VentureOne Business
Side-by-side comparison
| Chase Freedom Unlimited® | Capital One VentureOne Business | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | 50,000 Miles |
| Advertising | 1.5% | 1.5% |
| Shipping | 1.5% | 1.5% |
| Office supplies | 1.5% | 1.5% |
| Phone & internet | 1.5% | 1.5% |
| Travel | 1.5% | 1.5% |
| Everything else | 1.5% | 1.5% |
| Est. yearly rewards* | $711 | $675 |
| Points type | Pools with Chase → transferable | Transfers to airlines & hotels |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Chase Freedom Unlimited® earns about $711 a year in rewards and the Capital One VentureOne Business about $675, valuing every point at a flat 1 cent. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The Capital One VentureOne Business has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Chase Freedom Unlimited® delivers more total value, about $36 a year more for a typical spender. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One VentureOne Business currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.