Capital One Spark Cash Plus vs Chase Freedom Rise

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Extended Warranty

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Purchase Protection

Trip Protections

Free Access to Credit Score

Capital One Spark Cash Plus

Annual Fee

$150

Avg. Min. Credit Score

800-850

Ongoing APR

Balance transfers fees

Balance transfers are not available on Spark Cash Plus

Best Multiplier

5x Car Rentals

5x Hotels

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Rating

(4) Our Review

Review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses. The card is issued as a Visa.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

This card is also featured in Which Capital One Business Cards Report to Personal Credit (Count Towards 5/24)? and in the article Business Credit Cards That Don’t Report to Personal Credit Bureaus.

Unique Card Benefits

yes

Extended Warranty

yes

Has No Preset Spending Limit

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Roadside Assistance

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Purchase Protection

Trip Protections

Free Access to Credit Score

Chase Freedom Rise®

Annual Fee

Avg. Min. Credit Score

670-850

Ongoing APR

26.24% (Variable)

Balance transfers fees

$5 or 5% of the amount of each transfer, whichever is greater

Best Multiplier

5x Lyft

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating

(3.5) Our Review

Review

The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Unique Card Benefits

yes

Extended Warranty

yes

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Purchase Protection

yes

Trip Protections

yes

Free Access to Credit Score

yes