Discover it Cash Back vs Chase Freedom Flex
At typical spending, the Chase Freedom Flex comes out ahead by about $240 a year ($964 vs $724). The Chase Freedom Flex earns more on dining and flights & hotels. Which one wins for you depends on where your money actually goes.
Discover it Cash BackNo annual fee
Chase Freedom FlexNo annual fee
| Discover it Cash Back | Chase Freedom Flex | |
|---|---|---|
| Est. value/yr at typical spending | $724 | $964 |
| Annual fee | $0 | $0 |
| Yearly credits | $0 | $0 |
| Fee after credits | $0 | $0 |
| Dining | 1x | 3x |
| Groceries | 1x | 1x |
| Flights & hotels | 1x | 5x |
| Rent | 1x | 1x |
| Gas & transit | 1x | 1x |
| Streaming | 1x | 1x |
| Online shopping | 1x | 1x |
| Everything else | 3x | 3x |
| Transfer partners | Cash back | Cash back |
| Lounge access | No | No |
Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
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