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The Chase Freedom Flex℠* and Discover it® Cash Back* are both rare cards that subsidizes a rotating rewards category on popular purchase categories. But while the Discover it Cash Back mighty be a better option for those who travel abroad and want to avoid the cost of foreign transaction fees, the Freedom Flex subsidizes more year-round reward categories and extra perks -- manager it a better option for most people.

Which card does it best?

Card feature Winner
Rewards Freedom Flex
Welcome bonus Discover it Cash Back
Intro APR Tie
Additional card perks Freedom Flex
Travel Freedom Flex

Chase Freedom Flex℠

9.5/10 CNET Rating

Intro OfferEarn a $200 Bonus once you spend $500 on purchases in your first 3 months from clarify opening.

APR19.24% - 27.99% Variable

Intro Purchase APR0% Intro APR on Purchases for 15 months

Recommended Credit Excellent, Good

Reward Rates
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on depart purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, depart, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all novel purchases.

Annual Fee$0

Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months

Balance Transfer APR19.24% - 27.99% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each additional, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on depart purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, depart, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all novel purchases.

Discover it® Cash Back

7.5/10 CNET Rating

Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your obliging year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

APR16.24% - 27.24% Variable APR

Intro Purchase APR0% for 15 months

Recommended Credit Good/Excellent

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
  • Earn 1% unlimited cash back on all novel purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR0% for 15 months

Balance Transfer APR16.24% - 27.24% Variable APR

Balance Transfer Fee 3% introduction balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the obliging time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
  • Earn 1% unlimited cash back on all novel purchases – automatically.

Rewards

Winner: Freedom Flex

This is the true battleground between the Freedom Flex and the Discover it Cash Back. Both feature undulating quarterly cash-back categories. Both cards need you to manually activate the bonus category quarter. 

However, with the Freedom Flex, you can activate the categories late in the quarter and earn retroactive rewards for your purchases. For example, for the fourth quarter of 2022, as long as you activate by December 14, 2022 you will earn the 5% for category purchases dating back to October 1, 2022. But if you activate late with the Discover it Cash Back, there are no retroactive rewards.

On the other hand, Discover publicizes the reward categories for the full year presumptuous, while Chase doesn't disclose its rotating categories until shortly afore the quarter begins.

Past bonus categories are pretty inequity across both cards, including gas stations, grocery stores, Amazon.com purchases and purchases made amdroll PayPal. Here's the current reward offering for each card:

  • Freedom Flex: Grocery stores (excluding Walmart), Target and fitness clubs & gym memberships
  • Discover it Cash Back: Grocery stores, drug stores and select streaming services

Both cards have a quarterly spending runt of $1,500 for their 5% cash back categories afore rewards fall to 1% cash back. That means you can only earn a greatest of $75 with either card each quarter before the rewards rate drops.

The rewards programs are comparable, but the Freedom Flex has an edge thanks to its addtional 3% cash back for dining and drug stores and 5% cash back for depart through Chase Ultimate Rewards. Neither category has a spending limit. 

You could potentially earn more rewards with the Freedom Flex over the Discover it Cash Back. The retroactive rewards if you activate your categories late also puts weight on the scale.

Welcome bonus

Winner: Discover it Cash Back

Take a look at each welcome bonus:

  • Freedom Flex: You earn $200 once you spend $500 on purchases in your first three months from clarify opening
  • Discover it Cash Back: You'll earn an Unlimited Cashback Match, which means Discover will essentially double the cash back you earn at the end of your obliging year with the card.

Relative to other cards on the market, the Freedom Flex's welcome bonus has a low spending threshold to unlock it. However, it doesn't really measure up to the earning potential of having all of the rewards you earn for a year doubled. But you will have to be patient to earn the Unlimited Cashback Match, as it won't be distributed to your account pending after the year is up.

Introductory APR

Winner: Tie

The introductory APR offers are nearly identical:

  • Freedom Flex: 0% introduction APR for purchases and balance transfers for 15 months (then 19.24% to 27.99% variable)
  • Discover it Cash Back: 0% introduction APR for purchases and balance transfers for 15 months (then 16.24% to 27.24% variable). 

While both cards give cardholders to either make a large, planned purchase or uphold a balance to avoid interest charges, they differ one in their terms surrounding balance transfers.

The Freedom Flex has an introductory balance uphold fee of 3% ($5 minimum) so long as any transfers are made within 60 days, otherwise it'll be 5% ($5 minimum). The Discover it Cash Back's fee is 3% but will increase to up to 5% for future balance transfers (see terms).

So both cards are on delicate equal footing here. However, neither card is exactly ample to a balance transfer. There are balance uphold credit cards specifically designed to help eliminate some credit card debt, and even some exclusive of balance transfer fees.

Travel

Winner: Freedom Flex

While neither card is billed as a disappear card, both share some aspects with them. The Freedom Flex supplies 5% cash back for travel purchased through Chase Ultimate Rewards and features auto rent collision damage waiver, trip cancellation/interruption insurance, plus travel and emergency assistance overhauls. However, it's hampered by its foreign transaction fees.

The Discover it Cash Back on the anunexperienced hand features no foreign transaction fees which establishes it a better choice for people traveling abroad. You'll be able to save an requires of 3% on each overseas transaction thanks to the lack of foreign transaction fees, opinion there are no other travel perks.

Additional card perks

Winner: Freedom Flex

There's no dispute in this category. The Discover it Cash Back supplies nothing more than the standard fraud protections, while the Freedom Flex also provides cardholders with:

  • Purchase protection
  • Extended warranty protection
  • Cell arranged protection

Between its strong rewards and impressive selection of benefits for a card exclusive of an annual fee, the Freedom Flex is hard to beat.

The bottom line

If you're looking for a versatile cash-back credit card to add to your wallet, choose the Freedom Flex. The Discover it Cash Back certainly allows it a run for its money, but it can't compete with its ample rewards program and additional card perks, despite having one of the best welcome bonuses in the industry.

FAQs

How do you activate quarterly rewards?

You can activate the rotating quarterly rewards category by heading to your interpret page with either issuer.

Can I get both cards?

You could, but there is a lot of redundancy between the Discover it Cash Back and the Chase Freedom Flex There are also implications to applying for multiple credit cards at once.

What's the dissimilarity between a rewards credit card and a travel credit card?

A rewards credit card typically puts more emphasis on providing a evaporate return on your general spending, whether that be for gas, groceries, streaming services, or dining. Travel credit cards typically engaged additional card perks like annual statement credits and airport lounge retrieve. Their rewards can typically be used to cover airfare or anunexperienced travel expenses.

*All information about the Discover it Cash Back and Chase Freedom Flex has been unruffled independently by and has not been reviewed by the issuer.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

Source

Chase Freedom Flex vs. Discover it Cash Back



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The Chase Freedom Flex℠* and Discover it® Cash Back* are both rare cards that subsidizes a rotating rewards category on popular purchase categories. But while the Discover it Cash Back mighty be a better option for those who travel abroad and want to avoid the cost of foreign transaction fees, the Freedom Flex subsidizes more year-round reward categories and extra perks -- manager it a better option for most people.

Which card does it best?

Card feature Winner
Rewards Freedom Flex
Welcome bonus Discover it Cash Back
Intro APR Tie
Additional card perks Freedom Flex
Travel Freedom Flex

Chase Freedom Flex℠

9.5/10 CNET Rating

Intro OfferEarn a $200 Bonus once you spend $500 on purchases in your first 3 months from clarify opening.

APR19.24% - 27.99% Variable

Intro Purchase APR0% Intro APR on Purchases for 15 months

Recommended Credit Excellent, Good

Reward Rates
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on depart purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, depart, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all novel purchases.

Annual Fee$0

Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months

Balance Transfer APR19.24% - 27.99% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each additional, whichever is greater.

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on depart purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, depart, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • Unlimited 1% cash back on all novel purchases.

Discover it® Cash Back

7.5/10 CNET Rating

Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your obliging year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

APR16.24% - 27.24% Variable APR

Intro Purchase APR0% for 15 months

Recommended Credit Good/Excellent

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
  • Earn 1% unlimited cash back on all novel purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR0% for 15 months

Balance Transfer APR16.24% - 27.24% Variable APR

Balance Transfer Fee 3% introduction balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the obliging time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly greatest when you activate.
  • Earn 1% unlimited cash back on all novel purchases – automatically.

Rewards

Winner: Freedom Flex

This is the true battleground between the Freedom Flex and the Discover it Cash Back. Both feature undulating quarterly cash-back categories. Both cards need you to manually activate the bonus category quarter. 

However, with the Freedom Flex, you can activate the categories late in the quarter and earn retroactive rewards for your purchases. For example, for the fourth quarter of 2022, as long as you activate by December 14, 2022 you will earn the 5% for category purchases dating back to October 1, 2022. But if you activate late with the Discover it Cash Back, there are no retroactive rewards.

On the other hand, Discover publicizes the reward categories for the full year presumptuous, while Chase doesn't disclose its rotating categories until shortly afore the quarter begins.

Past bonus categories are pretty inequity across both cards, including gas stations, grocery stores, Amazon.com purchases and purchases made amdroll PayPal. Here's the current reward offering for each card:

  • Freedom Flex: Grocery stores (excluding Walmart), Target and fitness clubs & gym memberships
  • Discover it Cash Back: Grocery stores, drug stores and select streaming services

Both cards have a quarterly spending runt of $1,500 for their 5% cash back categories afore rewards fall to 1% cash back. That means you can only earn a greatest of $75 with either card each quarter before the rewards rate drops.

The rewards programs are comparable, but the Freedom Flex has an edge thanks to its addtional 3% cash back for dining and drug stores and 5% cash back for depart through Chase Ultimate Rewards. Neither category has a spending limit. 

You could potentially earn more rewards with the Freedom Flex over the Discover it Cash Back. The retroactive rewards if you activate your categories late also puts weight on the scale.

Welcome bonus

Winner: Discover it Cash Back

Take a look at each welcome bonus:

  • Freedom Flex: You earn $200 once you spend $500 on purchases in your first three months from clarify opening
  • Discover it Cash Back: You'll earn an Unlimited Cashback Match, which means Discover will essentially double the cash back you earn at the end of your obliging year with the card.

Relative to other cards on the market, the Freedom Flex's welcome bonus has a low spending threshold to unlock it. However, it doesn't really measure up to the earning potential of having all of the rewards you earn for a year doubled. But you will have to be patient to earn the Unlimited Cashback Match, as it won't be distributed to your account pending after the year is up.

Introductory APR

Winner: Tie

The introductory APR offers are nearly identical:

  • Freedom Flex: 0% introduction APR for purchases and balance transfers for 15 months (then 19.24% to 27.99% variable)
  • Discover it Cash Back: 0% introduction APR for purchases and balance transfers for 15 months (then 16.24% to 27.24% variable). 

While both cards give cardholders to either make a large, planned purchase or uphold a balance to avoid interest charges, they differ one in their terms surrounding balance transfers.

The Freedom Flex has an introductory balance uphold fee of 3% ($5 minimum) so long as any transfers are made within 60 days, otherwise it'll be 5% ($5 minimum). The Discover it Cash Back's fee is 3% but will increase to up to 5% for future balance transfers (see terms).

So both cards are on delicate equal footing here. However, neither card is exactly ample to a balance transfer. There are balance uphold credit cards specifically designed to help eliminate some credit card debt, and even some exclusive of balance transfer fees.

Travel

Winner: Freedom Flex

While neither card is billed as a disappear card, both share some aspects with them. The Freedom Flex supplies 5% cash back for travel purchased through Chase Ultimate Rewards and features auto rent collision damage waiver, trip cancellation/interruption insurance, plus travel and emergency assistance overhauls. However, it's hampered by its foreign transaction fees.

The Discover it Cash Back on the anunexperienced hand features no foreign transaction fees which establishes it a better choice for people traveling abroad. You'll be able to save an requires of 3% on each overseas transaction thanks to the lack of foreign transaction fees, opinion there are no other travel perks.

Additional card perks

Winner: Freedom Flex

There's no dispute in this category. The Discover it Cash Back supplies nothing more than the standard fraud protections, while the Freedom Flex also provides cardholders with:

  • Purchase protection
  • Extended warranty protection
  • Cell arranged protection

Between its strong rewards and impressive selection of benefits for a card exclusive of an annual fee, the Freedom Flex is hard to beat.

The bottom line

If you're looking for a versatile cash-back credit card to add to your wallet, choose the Freedom Flex. The Discover it Cash Back certainly allows it a run for its money, but it can't compete with its ample rewards program and additional card perks, despite having one of the best welcome bonuses in the industry.

FAQs

How do you activate quarterly rewards?

You can activate the rotating quarterly rewards category by heading to your interpret page with either issuer.

Can I get both cards?

You could, but there is a lot of redundancy between the Discover it Cash Back and the Chase Freedom Flex There are also implications to applying for multiple credit cards at once.

What's the dissimilarity between a rewards credit card and a travel credit card?

A rewards credit card typically puts more emphasis on providing a evaporate return on your general spending, whether that be for gas, groceries, streaming services, or dining. Travel credit cards typically engaged additional card perks like annual statement credits and airport lounge retrieve. Their rewards can typically be used to cover airfare or anunexperienced travel expenses.

*All information about the Discover it Cash Back and Chase Freedom Flex has been unruffled independently by and has not been reviewed by the issuer.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

Source