Chase Freedom Flex℠ vs. Ink Business Cash®

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Chase Freedom Flex<sup>℠</sup> Card Chase Freedom Flex℠ Card Ink Business Cash® Card Ink Business Cash® Card
8.7MyCreditCardLab Score

MyCreditCardLab Score 8.7

We'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
10
Intro APR
9.3
Regular APR
9.3
Rewards
8.2
Benefits
8.1
Welcome Bonus
8.8
Recommended Credit Score: 9
Foreign Transaction Fee: 7.3
Cash Advance Fee: 9
Balance Transfer Fee: 8.3
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

We'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
10
Intro APR
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
ANNUAL FEE
$0 $0
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 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR.
REGULAR APR
20.49% - 29.24% Variable APR 18.49% - 24.49% Variable
PROS
  • New cardholder $200 initial bonus
  • Intro APR period
  • Ongoing rewards of 1 - 5% cash back
  • 0% for 15 months on purchases and balance transfers
  • $0 Annual fee
  • Member FDIC
  • No annual fee
  • 0% Intro APR period
  • Rewards don’t expire
  • Good welcome bonus
  • Earns up to 5% cash back.
CONS
  • 3% foreign transaction fee
  • Requires good - excellent credit score
  • Rotating bonus rewards categories
  • Earning limit in bonus categories
  • $5 or 5% Balance transfer fee
  • 3% foreign transaction fee
  • Spending cap on bonus categories
  • Minimum 2,000 points required for a redemption
WELCOME BONUS
$200 if you spend $500 in first 3 months Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
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:
  • You earn 5% cash back on combined gas station and grocery store purchases. The offer excludes Target and Walmart. It applies to up to $12,000 spent in the first year.
  • Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
  • Earn 5% on travel. You buy it through Chase Ultimate Rewards.
  • Earn 3% on dining at restaurants. This includes takeout and some delivery services.
  • Earn 3% on drugstore purchases
  • Earn 1% on all other purchases
  • The card has a 0% Intro APR for 15 months from account opening. This applies to both purchases and balance transfers. After that, the APR is 19.24%-27.99%.
 Ink Business Cash® 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:
  • You earn 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services. This is for each account anniversary year.
  • You earn 2% cash back. This is on the first $25,000 spent at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability, you won't be held responsible for unauthorized charges. They are made with your card or account info.
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
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. Introductory APR - The Ink Business Cash® card typically offers an introductory 0% APR on purchases. It lasts for the first 12 months from account opening. it's helpfull for new businesses. This can help businesses make large purchases. They can pay them off over time without paying interest. Generous Cash Back Rewards - 5% cash back - Office internet, cable, and phone services. 2% cash back - gas stations and restaurants. 1% cash back - all other purchases with no limit Employee Cards at No Additional Cost - If you have multiple employees who will require additional cards issued, Business owners can issue employee cards for free. They can use the cards to easily manage and track employee spending. They can also earn rewards on their purchases. Remember, the 5% cash back category is capped at $25,000 per year across the account. It's not per authorized cardholder. Purchase Protection and Extended Warranty - The card provides purchase protection and covers new purchases against damage or theft for up to 120 days. It extends the time of the U.S. manufacturer's warranty by a year. This is for eligible warranties of 3 years or less.
CASH ADVANCE FEE / APR
29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. Either $15 or 5% of the amount of each transfer, 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) APR: 18.49% to 24.49% Variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% 3%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Gas and Groceries
  • Restaurant
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
More Details More Details

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