Chase Freedom Flex® vs PenFed Platinum Rewards Visa Signature® Card

Chase Freedom Flex®Chase Freedom Flex®

Chase

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
PenFed Points
Point Value
2.00¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryChase Freedom Flex®PenFed Platinum Rewards Visa Signature® Card
Gas Stations10.00%
5x · Rotating (Quarterly) · $1,500 cap
4.25%
5x
EV Charging10.00%
5x · Rotating (Quarterly) · $1,500 cap
4.25%
5x
Groceries2.00%
1x
2.55%
3x
Dining & Restaurants2.00%
1x
2.55%
3x
Streaming Services2.00%
1x
2.55%
3x
Everything else2.00%
1x
0.85%
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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