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 Hotels.com Credit Card (2026)
Home / Compare / Chase Freedom Flex vs Hotels.com Credit Card Chase Freedom Flex vs Hotels.com Credit Card Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Hotels.com Credit Card wins on hotels com. Here's how they compare.
Earn Rates Category Chase Freedom Flex Hotels.com Credit Card Rotating Quarterly 5X 1X Drugstores 3X 1X Everything Else 1X 1X
Benefits & Features Key Benefits
✓ Travel insurance
✓ Purchase protection
Pros & Cons Pros
+ 5% on rotating categories up to $1,500/quarter when activated+ 3% on dining and drugstores with no annual cap+ 5X on Chase Travel portal purchases+ $0 annual fee with Mastercard World Elite benefits+ Transfer points 1:1 to travel partners with Sapphire card+ No annual fee+ No foreign transaction fees+ Flexible OneKeyCash redemption across Hotels.com, Expedia, and Vrbo+ Simple earnings structure with no tracking required+ Visa Signature benefits includedCons
− Must activate quarterly categories or miss 5% bonus− $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)− 3% foreign transaction feeCategory-by-Category Winner The Chase Freedom Flex wins in 2 of 2 categories. The Hotels.com Credit Card leads in 0.
W Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
W Drugstores
Chase Freedom Flex earns 3X vs 1X
What You Give Up Choosing one card means missing out on these benefits from the other.
Choosing Hotels.com Credit Card means losing:
Frequently Asked Questions
Which card earns more rewards, the Chase Freedom Flex or Hotels.com Credit Card? The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Flex or the Hotels.com Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. 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.
Home / Compare / Chase Freedom Flex vs Hotels.com Credit Card Chase Freedom Flex vs Hotels.com Credit Card Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Hotels.com Credit Card wins on hotels com. Here's how they compare.
Earn Rates Category Chase Freedom Flex Hotels.com Credit Card Rotating Quarterly 5X 1X Drugstores 3X 1X Everything Else 1X 1X
Benefits & Features Key Benefits
✓ Travel insurance
✓ Purchase protection
Pros & Cons Pros
+ 5% on rotating categories up to $1,500/quarter when activated+ 3% on dining and drugstores with no annual cap+ 5X on Chase Travel portal purchases+ $0 annual fee with Mastercard World Elite benefits+ Transfer points 1:1 to travel partners with Sapphire card+ No annual fee+ No foreign transaction fees+ Flexible OneKeyCash redemption across Hotels.com, Expedia, and Vrbo+ Simple earnings structure with no tracking required+ Visa Signature benefits includedCons
− Must activate quarterly categories or miss 5% bonus− $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)− 3% foreign transaction feeCategory-by-Category Winner The Chase Freedom Flex wins in 2 of 2 categories. The Hotels.com Credit Card leads in 0.
W Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
W Drugstores
Chase Freedom Flex earns 3X vs 1X
What You Give Up Choosing one card means missing out on these benefits from the other.
Choosing Hotels.com Credit Card means losing:
Frequently Asked Questions
Which card earns more rewards, the Chase Freedom Flex or Hotels.com Credit Card? The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Flex or the Hotels.com Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. 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.
Home / Compare / Chase Freedom Flex vs Hotels.com Credit Card Chase Freedom Flex vs Hotels.com Credit Card Both cards cost $0/yr. The Chase Freedom Flex is better for rotating quarterly, while the Hotels.com Credit Card wins on hotels com. Here's how they compare.
Earn Rates Category Chase Freedom Flex Hotels.com Credit Card Rotating Quarterly 5X 1X Drugstores 3X 1X Everything Else 1X 1X
Benefits & Features Key Benefits
✓ Travel insurance
✓ Purchase protection
Pros & Cons Pros
+ 5% on rotating categories up to $1,500/quarter when activated+ 3% on dining and drugstores with no annual cap+ 5X on Chase Travel portal purchases+ $0 annual fee with Mastercard World Elite benefits+ Transfer points 1:1 to travel partners with Sapphire card+ No annual fee+ No foreign transaction fees+ Flexible OneKeyCash redemption across Hotels.com, Expedia, and Vrbo+ Simple earnings structure with no tracking required+ Visa Signature benefits includedCons
− Must activate quarterly categories or miss 5% bonus− $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)− 3% foreign transaction feeCategory-by-Category Winner The Chase Freedom Flex wins in 2 of 2 categories. The Hotels.com Credit Card leads in 0.
W Rotating Quarterly
Chase Freedom Flex earns 5X vs 1X
W Drugstores
Chase Freedom Flex earns 3X vs 1X
What You Give Up Choosing one card means missing out on these benefits from the other.
Choosing Hotels.com Credit Card means losing:
Frequently Asked Questions
Which card earns more rewards, the Chase Freedom Flex or Hotels.com Credit Card? The Chase Freedom Flex has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Flex or the Hotels.com Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. 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.
− Points worth only 1 cent without Sapphire card pairing
− Welcome bonus lower than Sapphire cards− Low 2% earn rate at Hotels.com (many travel cards offer better returns)− Only 1% on all other purchases (below average)− No elite status or hotel loyalty benefits− OneKeyCash only redeemable within Expedia Group ecosystem− No welcome bonus worth mentioning
− Points worth only 1 cent without Sapphire card pairing
− Welcome bonus lower than Sapphire cards− Low 2% earn rate at Hotels.com (many travel cards offer better returns)− Only 1% on all other purchases (below average)− No elite status or hotel loyalty benefits− OneKeyCash only redeemable within Expedia Group ecosystem− No welcome bonus worth mentioning
− Points worth only 1 cent without Sapphire card pairing
− Welcome bonus lower than Sapphire cards− Low 2% earn rate at Hotels.com (many travel cards offer better returns)− Only 1% on all other purchases (below average)− No elite status or hotel loyalty benefits− OneKeyCash only redeemable within Expedia Group ecosystem− No welcome bonus worth mentioning
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