Chase Freedom Flex®
vs. Discover it® Chrome

Updated: June 20, 2024

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Both the Chase Freedom Flex® Card and the Discover it® Chrome stand out for their no annual fee and cash back rewards, which might by why you're considering them. The Freedom Flex edges ahead due to its higher potential cash back in rotating categories and a longer 0% introductory APR period on purchases.

The Discover it Chrome is still a strong contender with its own 0% intro APR offer on balance transfers for 18 months and no foreign transaction fees, making it a solid choice if you’re planning to transfer balances or travel abroad.

Credit Card logo for Chase Freedom Flex®
Chase Freedom Flex®
Credit Card logo for Discover it® Chrome
Discover it® Chrome
MoneyGeek Rating
3.7/ of 5
MoneyGeek Rating
3.7/ of 5

  • Regular APR
    20.49–29.24% variable
    18.24% - 28.24% variable
    0% APR Offer
    0% intro APR for 15 months
    0% for 6 months on purchases
    Intro Offer
    Earn a $200 bonus
    Cashback Match
    Rewards Summary
    Earn 1– 5% cash back
    Earn 1%–2% cash back
    Balance Transfer Offer
    0% intro APR for 15 months
    0% for 18 months on balance transfers
    Balance Transfer Fee
    3% of the amount of each transfer (minimum $5)
    5% of the amount of each transfer after intro fee
    Annual Fee
    $0
    $0
    Recommended Credit
    670–850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Up to 29.99% (variable)
    None
    Not sure?

Which Card Is Better for You?

You might prefer the Freedom Flex if you're looking for a card with a generous introductory bonus and the flexibility to earn high cash back in rotating categories each quarter. Plan your spending around these categories and take full advantage of the 5% cash back offer. The 0% intro APR for 15 months on purchases and balance transfers can also provide significant savings on interest if you have upcoming large purchases or existing credit card debt.

You might prefer the Discover it Chrome if consistent rewards on gas and dining are a priority. The Discover it Chrome offers a straightforward 2% cash back on these categories up to a limit each quarter. If you're planning a balance transfer, the 0% intro APR for 18 months can be particularly attractive. The card also has no foreign transaction fees.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and introductory offers will clarify the differences between the Freedom Flex and the Discover it Chrome. Use this section to align card features with your spending patterns and financial goals, such as maximizing cash back in specific categories or minimizing fees.

    discount icon

    Regular APR: Discover it Chrome

    The Discover it Chrome offers a slightly lower range starting at 18.24%, compared with the Chase Freedom Flex's 20.49%.

    annualFee icon

    Annual Fee: Tie

    Both the Freedom Flex and the Discover it Chrome have no annual fee.

    lowInterestAPR icon

    Introductory 0% APRs: Tie

    The Freedom Flex offers 0% intro APR for 15 months on both purchases and balance transfers, with a 3% balance transfer fee. The Discover it Chrome provides 0% for 6 months on purchases and extends it to 18 months for balance transfers, albeit with a higher 5% transfer fee after the intro period.

    coins icon

    Rewards: Chase Freedom Flex® Card

    The Freedom Flex is better for rewards, offering 5% cash back on rotating categories each quarter (upon activation and up to $1,500 in purchases), 5% on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases and 1% on all other purchases.

    By contrast, the Discover it Chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% on all other purchases.

    rewards icon

    Welcome Offers: Chase Freedom Flex® Card

    The Freedom Flex offers a better welcome bonus, featuring a $200 cash bonus after spending $500 in the first three months, translating to a higher return on investment compared with the Discover it Chrome's Cashback Match offer, which yields $200 in matched cash back after spending at least $16,000 in your first year.

    creditApproved icon

    Recommended Credit Score: Tie

    Both the Freedom Flex and the Discover it Chrome require a credit score range of 670 to 850, catering to individuals with good to excellent credit.

    autopay icon

    Penalties and Fees: Discover it Chrome

    The Discover it Chrome is better for penalties and fees, offering a first late fee waiver and no penalty APR, compared with the Freedom Flex’s up to $40 late fee and up to 29.99% penalty APR. Additionally, Discover it® Chrome does not charge foreign transaction fees.

    points icon

    Issuer Satisfaction: Discover it® Chrome

    The Discover it Chrome is better for issuer satisfaction, with Discover scoring a 4.5 compared with Chase's 4.1.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks depending on your lifestyle. Freedom Flex provides phone protection and trip cancellation/interruption insurance, valuable for travelers. Discover it Chrome offers free overnight card replacement and online personal information protection, appealing for security-conscious users.

Rewards Comparison

The Freedom Flex card outpaces the Discover it Chrome with its higher reward rates in diverse categories. It's particularly advantageous if you travel and dine out frequently, offering 5% back on travel booked through Chase and 3% on dining, including takeout and eligible delivery services. The rotating categories, which can include gas stations and grocery stores, also provide opportunities to earn 5% back on up to $1,500 in combined purchases each quarter upon activation.

While Discover it Chrome doesn't match the Freedom Flex's higher rates, it does offer a straightforward 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This simplicity can be appealing if you prefer a consistent rewards structure without the need to track rotating categories.

The table provides a visual breakdown of the rewards categories and how they compare:

Category
Freedom Flex
Discover it Chrome

Rotating Categories

5% on rotating categories up to $1,500 quarterly upon activation

N/A

Travel

5% if purchased through Chase Travel

1%

Dining

3%

1%

Drugstores

3%

1%

Gas Stations

1%

2% on up to $1,000 in combined purchases each quarter

Redeeming Rewards

The Freedom Flex offers diverse options, allowing points to be used for cash, travel, and more, with varying redemption values. Points remain valid as long as the account is active. Conversely, Discover it Chrome provides redemption for cash back as statement credits, direct deposits and even payments on Amazon, with the added benefit that rewards never expire. Both cards ensure that the rewards you earn are accessible and enduring.

Methodology

MoneyGeek evaluates credit cards like the Freedom Flex and Discover it Chrome using a ranking process tailored to specific use cases, such as cash back and balance transfers. For these cards, the highest scoring use case is reflected in our comparison.

The Freedom Flex scores highest for cash back rewards, while Discover it Chrome leads in balance transfer offerings. The evaluation considers factors such as reward rates, APRs and issuer satisfaction. For a deeper understanding of our process, you can explore our ranking methodology.

FAQ: Freedom Flex vs. Discover it Chrome

What are the main differences in rewards between the Freedom Flex and Discover it Chrome?
Which card offers a better introductory bonus?
How do the Freedom Flex and Discover it Chrome compare in terms of APR offers?
Are there any differences in fees between the two cards?
Which card is more suitable for international travel?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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