Chase Freedom Flex vs. Famous Footwear Credit

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Chase Freedom Flex<sup>℠</sup> Card Chase Freedom Flex Card Famous Footwear Credit Card Famous Footwear Credit 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
7.9MyCreditCardLab Score

MyCreditCardLab Score 7.9

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
7
Regular APR
7
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 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 No intro offer available
REGULAR APR
20.49% - 29.24% Variable APR 35.24% 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
  • Qualify with fair credit
  • No membership fees
  • $10 initial rewards bonus
CONS
  • 3% foreign transaction fee
  • Requires good - excellent credit score
  • Rotating bonus rewards categories
  • Earning limit in bonus categories
  • High regular APR
  • No Foreign Transaction fee
  • Spending caps on rewards
WELCOME BONUS
$200 if you spend $500 in first 3 months Get $10 off your first card purchase when opening and using your Credit Card 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%.
Famous Footwear Credit 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:
  • Earn 1 point per $1 spent. Members earn $5 Reward Cash for every 100 points — up to $250 a year.
  • Get $10 off your first card purchase. This happens when you open and use your Credit Card account.
  • Star Members who are eligible get $5 Reward Cash. It is valid for their birthday month.
  • Rewards members can get 2X points for every dollar spent on all purchases. This is during your birthday month.
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. STAR benefits - The STAR benefits scheme is for Famous Footwear. It is their lower reward level. It offers you $5 in Reward Cash for every 100 points you spend at Famous Footwear. That said, this only counts up to a maximum of $75 in rewards points per transaction. Birthday month - Members can receive 2X points per dollar spent on all purchases. This is during your birthday month. Superstar membership - Members who spend $200 or more over 12 months will get Superstar membership. Superstar membership will receive 1.5 points instead of 1 point for every $1 in purchases SUPERSTAR benefits - Famous Footwear’s SUPERSTAR benefits scheme is a higher rewards tier. You can unlock it by spending $200 in a year. SUPERSTAR members get 1.5 points for every $1 in purchases. They also get free shipping and $10 in Reward Cash on your birthday. Free Shipping - No minimum on all orders online and from your store — just for members
CASH ADVANCE FEE / APR
29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. Cash advance Not Allowed
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) Balance Transfers Not Allowed
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 600 - 850 (Poor - Exceptional)
FOREIGN TRANSACTION FEE
3% $0
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Gas and Groceries
  • Restaurant
  • Students
  • Health and Wellness
  • Sports and Fitness
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