Chase Freedom Flex vs Discover it Cash Back — which is worth it to you?
The Chase Freedom Flex (no annual fee) and the Discover it Cash Back (no annual fee) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Neither card charges an annual fee, so the only real question is which one earns more on your spending. The Chase Freedom Flex earns Chase Ultimate Rewards while the Discover it Cash Back earns plain cash back. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
The Chase Freedom Flex also has a bonus on dining (3x) and drugstores (3x), with nothing to match it on the Discover it Cash Back.
The Chase Freedom Flex comes with 1 statement credit, the biggest being $10/quarter DoorDash Promo ($40/yr). The Discover it Cash Back has none. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry no foreign transaction fees. The Chase Freedom Flex also has cell phone protection, extended warranty, memberships, purchase protection, rental car collision coverage and trip cancellation, with no equivalent on the Discover it Cash Back.
Chase Freedom Flex
Chase · No annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Rotating quarterly bonus categories ($1,500 in combined purchases per quarter, then 1x)
- 5x Chase Travel portal bookings
- 3x Dining at restaurants
- 3x Drugstore purchases
- 2x Lyft rides
- 1x Everything else
Statement credits (1)
- $10/quarter DoorDash Promo — A $10 promo credit each quarter ($40/year) on DoorDash, with DashPass enrollment.
Full Chase Freedom Flex breakdown — 7 more benefits on the full page.
Discover it Cash Back
Discover · No annual fee · cash back
Earning rates
- 5x Rotating quarterly bonus categories ($1,500 in combined purchases per quarter (then 1%), activation required each quarter)
- 1x Everything else
Full Discover it Cash Back breakdown — 1 more benefits on the full page.
Card data verified against issuer sources: Chase Freedom Flex on 2026-08-20, Discover it Cash Back on 2026-08-20.
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