Capital One Spark Cash Select Review 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

Roadside Assistance

No Foreign Transaction Fees

No Fees for Authorized Users

Purchase Protection

Trip Protections

Free Access to Credit Score

Capital One Spark Cash Select Review

Annual Fee

Avg. Min. Credit Score

800-850

Ongoing APR

17.99%-23.99% (Variable)

Balance transfers fees

Balance transfers are not available on Spark Cash Select

Best Multiplier

5x Car Rentals

5x Hotels

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

$500 when you spend $4,500 in 3 months

Rating

(4) Our Review

Review

The Spark Cash Select credit card is ideal for small business owners that want a cash back card with no annual fee and no foreign transaction fees.

It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.

Small business owners earn 1.5% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

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

Unlike the Spark Cash Plus, the Spark Cash Select will report to your personal credit profile.

Unique Card Benefits

yes

Extended Warranty

yes

Roadside Assistance

yes

No Foreign Transaction Fees

yes

No Fees for Authorized Users

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

Roadside Assistance

No Foreign Transaction Fees

No Fees for Authorized Users

Purchase Protection

yes

Trip Protections

yes

Free Access to Credit Score

yes