Cashback Rewards Plus American Express® Card vs Chase Freedom Flex®

Cashback Rewards Plus American Express® CardCashback Rewards Plus American Express® Card

USAA

Loading...
Chase Freedom Flex®Chase Freedom Flex®

Chase

Loading...
Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Chase Ultimate Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryCashback Rewards Plus American Express® CardChase Freedom Flex®
Gas Stations5.00%
5x · $3,000 cap
10.00%
5x · Rotating (Quarterly) · $1,500 cap
EV Charging1.00%
1x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Transit & Rideshare1.00%
1x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Entertainment1.00%
1x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Groceries3.00%
3x · $3,000 cap
2.00%
1x
Everything else1.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

Ask the Advisor