Freedom Flex vs it Cash Back

Updated September 24, 2026 · from RightCard's verified card and merchant data

Chase Freedom Flex earns more in 2 of 9 categories (restaurants, drugstores), Discover it Cash Back in 0, with 7 tied. Freedom Flex: no annual fee. it Cash Back: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Freedom Flex	it Cash Back	Wins
Restaurants	3%	1%	Freedom Flex
Supermarkets	1%	1%	tie
Gas stations	1%	1%	tie
Travel	1%	1%	tie
Online shopping	1%	1%	tie
Drugstores	3%	1%	Freedom Flex
Transit & rideshare	1%	1%	tie
Streaming	1%	1%	tie
Everything else	1%	1%	tie

This quarter: Chase Freedom Flex earns 5% on gas through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Chase Freedom Flex earns 5% on transit through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Discover it Cash Back earns 5% on transit through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Discover it Cash Back earns 5% on gas through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Discover it Cash Back earns 5% on drugstore through Sep 30 after activation. Rotating windows are not in the table above.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Freedom Flex	no annual fee	none verified	—
it Cash Back	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 2 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Chase Freedom Flex in full → · Discover it Cash Back in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Freedom Flex or it Cash Back: which earns more?

Chase Freedom Flex earns more in 2 of 9 categories (restaurants, drugstores), Discover it Cash Back in 0, with 7 tied. Freedom Flex: no annual fee. it Cash Back: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Freedom Flex or it Cash Back?

Freedom Flex: no annual fee. it Cash Back: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 2 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card