Discover it® Cash Back vs Freedom Flex
Discover it® Cash Back
$0/yr
7.0/10
VS
Freedom Flex
$0/yr
7.5/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. Freedom Flex charges no annual fee with 1X base rewards. Discover it® Cash Back offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $0)
Rewards Earning
Freedom Flex
5 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 7
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Freedom Flex edges ahead
Better rewards and benefits at the same fee level.
Apply for Freedom FlexPREMIUM PICK
Discover it® Cash Back is a strong alternative
Competitive features make it worth considering.
Apply for Discover it® Cash BackRewards Earning: Detailed Comparison
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| Everything Else | 1.0X |
Freedom Flex
| Quarterly 5% Categories | 5.0X (up to $1,500) |
| Chase Travel purchases | 5.0X |
| Dining including takeout and delivery | 3.0X |
| Drugstore purchases | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
Freedom Flex (7 benefits)
- Trip Cancellation/Interruption Insurance (up to $1,500)
- Auto Rental Collision Damage Waiver
- Auto Rental Coverage (Secondary)
- Purchase Protection (up to $500)
- Extended Warranty Protection
- Cell Phone Protection (up to $800)
- Travel Accident Insurance (up to $500,000)