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Chase Freedom Flex vs Discover it Miles
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom FlexChase | Discover it MilesDiscover |
|---|---|---|
| Rating | 4.6/5 | 4.2/5 |
| Annual Fee | $0 | $0 |
| APR | 18.24% - 27.74% | 17.49% - 26.49% |
| Signup Bonus | $200 bonus after spending $500 in 3 months | Unlimited Mile-for-Mile match for all miles earned in first year |
| 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 | 1.5X miles on every purchase |
| 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 | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers |
| Cons | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Flex
With a 4.6/5 rating, the Chase Freedom Flex edges out the Discover it Miles (4.2/5). No annual fee makes it easy to justify. The Chase Freedom Flex combines rotating 5% categories with permanent 3% on dining and drugstores. It's a no-fee powerhouse that pairs with Sapphire cards to unlock travel transfer partners.