CFF vs Discover it
Rotating 5% categories, two ways.
Chase Freedom Flex
Chase
- Our rating
- 8.2/10
- Welcome bonus
- 20,000 points
- Bonus value
- ≈$200
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- 3%
Top earning rates
- 5x Rotating quarterly categories ($1,500 cap)
- 5x Chase Travel purchases
- 3x Dining and drugstores
- 1x All other purchases
Discover it Cash Back
Discover
- Our rating
- 8.0/10
- Welcome bonus
- $0 cash
- Bonus value
- ≈$0
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 5x Rotating quarterly categories ($1,500 cap)
- 1x Everything else
The Compound Verdict
Our ratings give it to the Chase Freedom Flex (8.2 vs 8.0). On current welcome offers, the CFF brings the bigger first-year haul at ≈$200.
Read the full reviews for the complete math: CFF review and Discover it review, or put them side by side in the comparison tool.