Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Freedom Flex® Credit Card (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Chase Freedom Flex earns at least as much as Discover it Cash Back in every category, more on dining. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Flex | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 3% | 1% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Chase Freedom Flex pulls ahead for dining spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.