Chase Freedom Flex℠ Card
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Capital One Spark Miles for Business
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.4MyCreditCardLab Score
MyCreditCardLab Score 8.4We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $95 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | No any intro offer of this card |
| REGULAR APR | |
| 20.49% - 29.24% Variable APR | 25.99% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| $200 if you spend $500 in first 3 months | 50,000 miles after spending $4,500 within the first three months |
| REWARDS | |
Chase Freedom Flex℠ Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Capital One Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Decent welcome bonus - The offer is for $200 bonus. You get it after spending $500 on purchases in the first three months of account opening. This is stellar for a no-annual-fee card. Trip cancellation and interruption insurance - You get reimbursed up to $1,500 per person. You get $6,000 per trip. This covers your prepaid, nonrefundable passenger fares. This happens if your trip is canceled or cut short by sickness, bad weather, or other covered situations. Car rental insurance - If you charge your rental car to your card, you can receive coverage if it is damaged or stolen. The coverage is secondary and goes up to the car's cash value. World Elite Mastercard Benefits - As noted, the Freedom Flex is Chase’s first foray into the Mastercard market in five years. Adding Mastercard to the Chase lineup opens new features for Flex cardholders. Visa doesn't offer them. Two key benefits are cell phone protection and ID protection. Both are Mastercard staples. Base Rewards Rate of 1% Cash Back - Most cash back credit cards give 1% back as a base earning rate. The only way to get a higher base rate is to earn less from your chosen card. | Travel Benefits - Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. Earning rewards - Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. No foreign transaction fee - Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. No additional fee for employee cards - Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. | 32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| 20.49% - 29.24% variable, plus either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | 25.99% variable based on the Prime Rate |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | $0 |
| BEST FOR | |
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| More Details | More Details |
Chase Freedom Flex℠ vs. Capital One Spark Miles for Business
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