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Side-by-side
BECU Business Low Rate Credit Card vs Chase Freedom Flex
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/yr; the Chase Freedom Flex from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Business Low Rate Credit Card | Chase Freedom Flex |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | $200 cash back |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $500 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | cashback |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
|
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Chase Freedom Flex
$0/yr · $200 cash back
Editorial take: Chase Freedom Flex
Worth it only if you'll actually activate the rotating 5% categories every quarter. If you won't, the Freedom Unlimited earns more on everyday spend with zero effort.
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or Chase Freedom Flex?
- The Chase Freedom Flex has the bigger bonus, $200 cash back, worth roughly $200, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the Chase Freedom Flex?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Chase Freedom Flex's $0 fee is justified by its perks. If you'll use enough of the Chase Freedom Flex's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and Chase Freedom Flex?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Business Low Rate Credit Card or the Chase Freedom Flex first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 months. Chase Freedom Flex: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.