Chase Freedom Flex® vs Discover it® Cash Back

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Discover it® Cash BackDiscover it® Cash Back

Discover

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
$100 with any purchase in 90 days

Effective return by category

CategoryChase Freedom Flex®Discover it® Cash Back
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
5.00%
5x · Rotating (Quarterly) · $1,500 cap
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
1.00%
1x
Drugstores & Pharmacies2.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Airfare2.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Everything else2.00%
1x
1.00%
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?

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