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Chase Freedom Flex vs. Discover it Cash Back: Earn 5% cash back on rotating categories
06.12.2023 - 16:19 / thepointsguy.com / Chase Freedom
It's easy to focus on premium travel rewards credit cards thanks to their outsized benefits, but don't forget about solid rewards cards with more modest perks and no annual fees like the Chase Freedom Flex and Discover it® Cash Back.
Not only are they usually better choices for people just starting to build their credit, but these popular cash-back cards also offer some great earning opportunities, a solid rate of return on everyday spending and 0% introductory APR on purchases and balance transfers for folks who need a little flexibility.
These two cards, in particular, are worth comparing thanks to their (very) similar earning structures, "good" recommended credit score and other perks. Here's a snapshot of how the two stack up.
The information for the Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
5% back on Lyft rides (through March 2025)
5% cash back on travel purchased through Chase Ultimate Rewards
3% cash back on dining, including takeout and eligible delivery services
3% cash back on drugstore purchases
1% cash back on all other purchases
Terms apply
1% on everything else
Purchase protection
Zero liability protection
Extended warranty protection
Trip cancellation/interruption insurance
Right now, the Freedom Flex is offering $200 cash back after you spend $500 on purchases in the first three months from account opening.
The Discover it, meanwhile, will match the cash back earned on all purchases during your first year of card ownership, effectively doubling the card's earning rates for the first 12 months.
That means if you earn more than $200 cash back on the Discover it during your first year — not too difficult, given the card's 5% rotating bonus category — its welcome offer will outweigh the Freedom Flex's.
Winner: Discover it
The Freedom Flex card offers a few common benefits for a no-annual-fee card, including cellphone protection, shopping protections, and trip cancellation and interruption insurance. Cardholders will also enjoy three months of complimentary DashPass with DoorDash, which provides free delivery on eligible orders and reduced service fees.
The Discover it is a little shorter on benefits. However, you'll still enjoy things like online privacy protection, a $0 fraud liability guarantee and free Social Security number alerts if Discover finds your number used on a dark website.
Winner: Freedom Flex
The Freedom Flex comes with the following earning bonuses:
Those earning categories would be healthy for any card, let alone a no-annual-fee card. The rotating categories change each quarter and have included Walmart, gas stations and purchases with PayPal in the
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