Chase Freedom Flex vs Discover it Cash Back
Both cards valued on the same spending, after fees. Year 1 against every year after shows which one keeps its value once the welcome bonus is gone.
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On a family's spending: Year 1 goes to Discover it Cash Back, every year after to Chase Freedom Flex, and 3 years to Discover it Cash Back. Compare them on your own spending
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
after fees, points at their cash value. "~" marks estimates.
| Spending | Chase Freedom Flex | Discover it Cash Back | Ahead |
|---|---|---|---|
| Student | $957 | $883 | Chase Freedom Flex |
| Couple | $1,826 | $1,994 | Discover it Cash Back |
| Family | $2,225 | $2,453 | Discover it Cash Back |
| Frequent traveller | $2,545 | $2,746 | Discover it Cash Back |
| Big spender | $4,427 | $4,781 | Discover it Cash Back |
Frequently asked questions
Which is better, Chase Freedom Flex or Discover it Cash Back?
Over 3 years, Chase Freedom Flex comes out ahead on 1 of 5 spending presets and Discover it Cash Back on 4. On a family's spending ($3,350 a month), Year 1 goes to Discover it Cash Back and every year after to Chase Freedom Flex.
Why can the winner change after year 1?
Year 1 includes welcome bonuses and first-year fee waivers. From year 2 only rewards on spending, ongoing credits and the full annual fee count, so a card with a bigger bonus can fall behind.
Sources
Estimates for information only; not financial advice. See how cards are ranked.