Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Chase Freedom Flex vs Discover it Cash Back (2026)
Chase Freedom Flex vs Discover it Cash Back
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Chase Freedom Flex vs Discover it Cash Back
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Chase Freedom Flex vs Discover it Cash Back
Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards
−Discover network has lower acceptance than Visa/Mastercard, especially internationally
−Must activate 5% categories each quarter or earn only 1%
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
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