Card comparison · Discover vs Chase
Discover it Cash Back vs Chase Freedom Flex
The Discover it Cash Back ($0 annual fee) ranks #128 and the Chase Freedom Flex ($0) ranks #33 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Discover it Cash Back | Chase Freedom Flex | |
|---|---|---|
| Issuer | Discover | Chase |
| Annual fee | $0 | $0 |
| Welcome offer | Earn a $200 bonus statement credit when you spend $500 in the first 3 months. | Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening |
| Rewards |
|
|
| Intro APR | purchases 15 months · balance transfers 15 months | purchases 15 months · balance transfers 15 months |
| Ongoing APR | 18.74% to 28.74% variable APR | 18.49%-27.99% |
| Balance transfer fee | Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time. | 3% intro (60 days), then 5% |
| Foreign transaction fee | — | — |
| Our overall score | 52 (#128 of 294) | 62 (#33 of 294) |
| Cash back ranking | #33 of 70 | #32 of 70 |
| Dining ranking | not in this list | #18 of 67 |
| 0% intro APR ranking | #22 of 46 | not in this list |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Chase Freedom Flex (62 vs 52). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Same annual fee: $0 on both.
- Cash back: Chase Freedom Flex ranks higher in our cash back ranking (#32 vs #33 of 70).
- Dining: only Chase Freedom Flex is in our dining ranking (#18 of 67).
- 0% intro APR: only Discover it Cash Back is in our 0% intro APR ranking (#22 of 46).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Discover it Cash Back better than the Chase Freedom Flex?
By our overall score the Chase Freedom Flex ranks higher (62 vs 52), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Discover it Cash Back or Chase Freedom Flex?
Both list $0.
What are the welcome offers on the Discover it Cash Back and Chase Freedom Flex?
Discover it Cash Back: Earn a $200 bonus statement credit when you spend $500 in the first 3 months. Chase Freedom Flex: Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Cash back: Chase Freedom Flex ranks higher in our cash back ranking (#32 vs #33 of 70). Dining: only Chase Freedom Flex is in our dining ranking (#18 of 67). 0% intro APR: only Discover it Cash Back is in our 0% intro APR ranking (#22 of 46).