Card Comparison
Chase Freedom Flex vs Discover it Chrome
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
20,000 points
Spend $500 in 3 months
1 points
Top Earn Rates
- Chase Travel 5x
- Rotating Categories 5x
- Dining 3x
- Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter 2x
- 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
Common Questions: Chase Freedom Flex vs Discover it Chrome
Is the Chase Freedom Flex or Discover it Chrome better for dining?
Chase Freedom Flex earns 3x on dining; Discover it Chrome earns 2x on dining. Chase Freedom Flex wins for dining.
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 Chrome offers 1 pts 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 Chrome ?
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 Chrome is from Discover, so they're governed by separate bank policies.