Chase Freedom Flex® Card
vs. Discover it® Chrome

Both the Chase Freedom Flex® Card and the Discover it® Chrome stand out for their no annual fee and cash back rewards, which might by why you're considering them. The Freedom Flex edges ahead due to its higher potential cash back in rotating categories and a longer 0% introductory APR period on purchases.

The Discover it Chrome is still a strong contender with its own 0% intro APR offer on balance transfers for 18 months and no foreign transaction fees, making it a solid choice if you’re planning to transfer balances or travel abroad.

You might prefer the Freedom Flex if you're looking for a card with a generous introductory bonus and the flexibility to earn high cash back in rotating categories each quarter. Plan your spending around these categories and take full advantage of the 5% cash back offer. The 0% intro APR for 15 months on purchases and balance transfers can also provide significant savings on interest if you have upcoming large purchases or existing credit card debt.

You might prefer the Discover it Chrome if consistent rewards on gas and dining are a priority. The Discover it Chrome offers a straightforward 2% cash back on these categories up to a limit each quarter. If you're planning a balance transfer, the 0% intro APR for 18 months can be particularly attractive. The card also has no foreign transaction fees.

Evaluating APRs, fees, credit requirements, rewards and introductory offers will clarify the differences between the Freedom Flex and the Discover it Chrome. Use this section to align card features with your spending patterns and financial goals, such as maximizing cash back in specific categories or minimizing fees.

The Freedom Flex card outpaces the Discover it Chrome with its higher reward rates in diverse categories. It's particularly advantageous if you travel and dine out frequently, offering 5% back on travel booked through Chase and 3% on dining, including takeout and eligible delivery services. The rotating categories, which can include gas stations and grocery stores, also provide opportunities to earn 5% back on up to $1,500 in combined purchases each quarter upon activation.

While Discover it Chrome doesn't match the Freedom Flex's higher rates, it does offer a straightforward 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This simplicity can be appealing if you prefer a consistent rewards structure without the need to track rotating categories.

The table provides a visual breakdown of the rewards categories and how they compare:

The Freedom Flex offers diverse options, allowing points to be used for cash, travel, and more, with varying redemption values. Points remain valid as long as the account is active. Conversely, Discover it Chrome provides redemption for cash back as statement credits, direct deposits and even payments on Amazon, with the added benefit that rewards never expire. Both cards ensure that the rewards you earn are accessible and enduring.

MoneyGeek evaluates credit cards like the Freedom Flex and Discover it Chrome using a ranking process tailored to specific use cases, such as cash back and balance transfers. For these cards, the highest scoring use case is reflected in our comparison.

The Freedom Flex scores highest for cash back rewards, while Discover it Chrome leads in balance transfer offerings. The evaluation considers factors such as reward rates, APRs and issuer satisfaction. For a deeper understanding of our process, you can explore our ranking methodology.

All information about the Chase Freedom Flex has been collected independently by Moneygeek.com and has not been reviewed by the issuer.