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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Flex vs Discover it Cash Back

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Flex card art
Chase Ultimate Rewards
Chase Freedom Flex
Chase
More Info
Discover it Cash Back card art
Discover Miles
Discover it Cash Back
Discover
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $500 in 3 months
See issuer
Top Earn Rates
  • Chase Travel 5x
  • Rotating Categories 5x
  • Dining 3x
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Freedom Flex vs Discover it Cash Back

Is the Chase Freedom Flex or Discover it Cash Back better for dining?

Chase Freedom Flex earns 3x on dining; Discover it Cash Back has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Flex currently offers 20,000 pts signup bonus (spend $500 in 3 months). Discover it Cash Back offers $200 signup bonus. Chase Freedom Flex has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Chase Freedom Flex and the Discover it Cash Back?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Flex is from Chase and Discover it Cash Back is from Discover, so they're governed by separate bank policies.