Chase Freedom Flex
Chase
No annual feeChase Ultimate RewardsNo foreign feeMastercardGood
View issuer offerComparison brief
Chase Freedom Flex vs. Discover it Cash Back
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The two best-known rotating-category cards, side by side. Both need you to remember to activate each quarter — the difference shows up in what you earn on everything else, and in what your rewards convert to.
2/4 selected
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Overview
Discover it Cash Back
Discover
No annual feeCash BackNo foreign feeDiscoverFair
View issuer offerSome links are affiliate links. Depending on the program, we may receive compensation when you click, apply, or are approved, at no additional cost to you. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Dining
- Chase Freedom Flex
- 3x
- Discover it Cash Back
- 1%
Drugstores
- Chase Freedom Flex
- 3x
- Discover it Cash Back
- 1%
Everything else
- Chase Freedom Flex
- 1x
- Discover it Cash Back
- 1%
| Category | Chase Freedom Flex | Discover it Cash Back |
|---|---|---|
| Dining | 3x | 1% |
| Drugstores | 3x | 1% |
| Everything else | 1x | 1% |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
Chase Travel - Flights
- Chase Freedom Flex
- 5x
- Discover it Cash Back
- —
Chase Travel - Hotels
- Chase Freedom Flex
- 5x
- Discover it Cash Back
- —
Chase Travel - Rental Cars / Activities
- Chase Freedom Flex
- 5x
- Discover it Cash Back
- —
| Category | Chase Freedom Flex | Discover it Cash Back |
|---|---|---|
| Chase Travel - Flights | 5x | — |
| Chase Travel - Hotels | 5x | — |
| Chase Travel - Rental Cars / Activities | 5x | — |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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