Discover it Cash Back vs Chase Freedom Flex
Chase Freedom Flex earns more on groceries, dining, drugstores and 9 more categories, and Discover it Cash Back never earns more.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
You already hold it: Chase Freedom Flex earns as much or more everywhere here.
-
Pick it if
You want the most back: it earns as much or more in every category here.
Neither has an annual fee, so pick on where you spend.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Discover it Cash Back | Chase Freedom Flex | Earns more |
|---|---|---|---|
| Dining | $5.00 5% | $10.50 10.5% | Chase Freedom Flex (+$5.50) |
| Groceries | $1.00 1% | $7.50 7.5% | Chase Freedom Flex (+$6.50) |
| Gas | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Travel | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Airfare | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Hotels | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Transit | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Streaming | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Drugstores | $1.00 1% | $4.50 4.5% | Chase Freedom Flex (+$3.50) |
| Online shopping | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Wholesale clubs | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Everything else | $1.00 1% | $1.50 1.5% | Chase Freedom Flex (+$0.50) |
| Annual fee | $0 | $0 |