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Chase Freedom Flex vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom FlexChase | Chase Sapphire PreferredChase |
|---|---|---|
| Rating | 4.6/5 | 4.8/5 |
| Annual Fee | $0 | $95 |
| APR | 18.24% - 27.74% | 19.24% - 27.49% |
| Signup Bonus | $200 bonus after spending $500 in 3 months | 75,000 points after spending $5,000 in 3 months |
| Rewards Rate | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else |
| Credit Score | good | good |
| Pros | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees |
| Cons | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee | $95 annual fee No airport lounge access Limited premium perks vs. Reserve |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Chase Freedom Flex (4.6/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.