Capital One Spark Cash Plus vs Chase Slate Edge Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Extended Warranty

Roadside Assistance

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

No Foreign Transaction Fees

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Secondary Car Rental CDW Waiver

Purchase Protection

Free Access to Credit Score

Capital One Spark Cash Plus

Annual Fee

$150

Avg. Min. Credit Score

800-850

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

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.

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.

Unique Card Benefits

yes

Extended Warranty

yes

Roadside Assistance

yes

Has No Preset Spending Limit

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Secondary Car Rental CDW Waiver

Purchase Protection

Free Access to Credit Score

Chase Slate Edge Credit Card

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 18 months, 20.49%-29.24% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 18 months, 20.49%-29.24% thereafter)

Ongoing APR

20.49%-29.24% (Variable)

Balance transfers fees

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

Best Multiplier

0x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

0% Intro APR for 18 months from account opening on purchases and balance transfers. The regular APR of reg_apr,reg_apr_type on balance transfers and purchases applies after the introductory period ends.

Rating

(2.75) Our Review

Review

The Chase Slate Edge is specifically aimed at those people who have at least “good” credit but need some help with either existing credit card balances with high APRs or to finance new purchases using the 0% Introductory APR offer (detailed above in Key Facts).

Because it doesn’t earn rewards, it’s not our first choice of card if you are opening a new card for any other purpose. For instance, also with no annual fee, you could earn 1.5% cash back on the Chase Freedom Unlimited® card. Or, for just a $95 annual fee, you could reap the many benefits of the Chase Sapphire Preferred® Card.

But if your reason for a new card is to lower existing debt or finance new debt, the Chase Slate Edge could be right for you.

Unique Card Benefits

yes

Extended Warranty

yes

Roadside Assistance

yes

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

No Foreign Transaction Fees

0% Intro APR on Purchases

yes

0% Intro APR on Balance Transfers

yes

Secondary Car Rental CDW Waiver

yes

Purchase Protection

yes

Free Access to Credit Score

yes