Chase Freedom Flex℠ vs. Chase Freedom Rise℠

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Chase Freedom Flex<sup>℠</sup> Card Chase Freedom Flex℠ Card Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise℠
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
8.3MyCreditCardLab Score

MyCreditCardLab Score 8.3

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
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
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 None
REGULAR APR
20.49% - 29.24% Variable APR 26.74% Variable APR
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
  • Unlimited 1.5% cash back on every purchase
  • Earns rewards
  • Does not require security deposit
  • Autopay bonus
CONS
  • 3% foreign transaction fee
  • Requires good - excellent credit score
  • Rotating bonus rewards categories
  • Earning limit in bonus categories
  • No bonus categories
  • High APR
  • Foreign fee
WELCOME BONUS
$200 if you spend $500 in first 3 months Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
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%.
 Chase Freedom Rise℠ Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
  • Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card.
  • Score a $25 statement credit when you sign up for autopay within 3 months of opening your account (terms apply).
  • No annual fee or minimum redemption requirements, it's a hassle-free way to earn 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. Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months.
CASH ADVANCE FEE / APR
29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. Either $10 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) $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 580 (Fair - Poor)
FOREIGN TRANSACTION FEE
3% 3%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Gas and Groceries
  • Restaurant
  • Students
  • Bad Credit
  • Everyday Spending
More Details More Details

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