Chase Freedom Flex℠ vs. J.Crew Credit

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Chase Freedom Flex<sup>℠</sup> Card Chase Freedom Flex℠ Card J.Crew Credit Card J.Crew 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
8.0MyCreditCardLab Score

MyCreditCardLab Score 8.0

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
7.9
Regular APR
7.4
Rewards
8.2
Benefits
8
Welcome Bonus
8.4
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 5.5
Balance Transfer Fee: 5.5
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 N/A
REGULAR APR
20.49% - 29.24% Variable APR 30.24% 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
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
CONS
  • 3% foreign transaction fee
  • Requires good - excellent credit score
  • Rotating bonus rewards categories
  • Earning limit in bonus categories
  • Spending caps on rewards
  • High regular APR
WELCOME BONUS
$200 if you spend $500 in first 3 months Get 15% off your first purchase the same day of account opening. Exclusions apply.
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%.
 J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • For every dollar spent on the card, earn two points. For every $100 you spend, you will receive a $5 Rewards card.
  • Spend $500 a year to upgrade to Navy Access, which earns three points for every dollar. Alternatively, a $1,000 annual upgrade to Gold Access earns four points for every dollar spent.
  • Standard adjustments are free for in-store purchases.
  • If you spend less than $499 a year, receive a $10 birthday gift. Spend $500 or more a year to receive a $15 gift, and spend $1,000 or more to receive a $20 gift.
  • Shipping is always free on all orders.
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. Double points on cashmere - Members in the specified tiers may receive bonus points on certain days. The points are based on your tier at the time of purchase. You will get one or two extra points per dollar spent. You will also get bonus points on cashmere purchases. The number of points is based on your tier at the time of purchase. It is one or two extra points per dollar spent. Bonus point offers will also have terms. They will be in the promotional offer. Cardholders earn 3 points per $1 in Navy access and 4 points per $1 in Gold access. Free monogramming - Offer is available to J.Crew Passport members that are in the Navy and Gold Access tiers. The discount is valid on full-price monogrammable J.Crew branded apparel and accessories. You can buy them in J.Crew stores, at jcrew.com, or with phone orders. Offer cannot be redeemed for cash. Personalized items cannot be exchanged or returned. Valid in the U.S. only. Terms of the offer are subject to change. Our best birthday surprises - Accounts that opened during their birthday month will get the offer in the next month. Account must not be in default. Offer will be received during the birthday month. Exclusive Cardmember events - Cardmembers-only priority customer service, invitations to private sales and events.
CASH ADVANCE FEE / APR
29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. N/A
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) N/A
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% 0%
BEST FOR
  • Cash Back Seekers
  • Small Business Owners
  • Gas and Groceries
  • Restaurant
  • Online Shopping
  • Rewards Points Enthusiasts
More Details More Details

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