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Chase Freedom Flex vs. Chase Sapphire Preferred: Better as Friends Than Rivals

Review Updated
Brittney Myers
Brittney Myers
| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

On paper, the Chase Freedom Flex® (see rates and fees) and Chase Sapphire Preferred® Card (see rates and fees) are two very different rewards cards designed for very different cardholders. But while it's true they each can hold a different place in your wallet, that doesn't make them competition. Indeed, these two cards are most valuable when you use them together. Let's take a deeper dive into both cards.

Chase Freedom Flex vs. Chase Sapphire Preferred overview

As of Mar. 20, 2025
Image for
Image for
Chase Freedom Flex® Chase Sapphire Preferred® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

Welcome Offer: Circle with letter I in it. Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 bonus points

Rewards Program: Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Rewards Program: Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Intro APR: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

18.99% - 28.49% Variable

Regular APR:

19.99% - 28.24% Variable

Annual Fee:

$0

Annual Fee:

$95

Highlights:

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99%-28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Highlights:

  • Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

Why Chase Freedom Flex might be the ideal choice

If I had to recommend just one of these cards for most people, it would be the Chase Freedom Flex®. The rotating rewards category can be very lucrative, and it suits a lot of spending styles. The static dining and drugstore bonus categories are also quite useful.

Plus, there is no annual card fee, so you're never worrying about whether you're getting full value from your credit card. Oh, and the welcome bonus is nothing to scoff at! Add Chase's various purchase and travel protections, and you really have a very solid cash back rewards card.

Apply for Chase Freedom Flex®.

When Chase Sapphire Preferred could be the better option

The main reason you'd want a Chase Sapphire Preferred® Card instead of a Chase Freedom Flex® would be if you travel regularly. You'll get bonus Ultimate Rewards points on travel purchases (and dining), and you can use those rewards to book more travel, for free. In fact, cardholders get a 25% bonus on points redemptions in the Chase Travel portal.

There is an annual fee, but the welcome bonus makes up for it for at least a few years. And you get elevated versions of those awesome purchase and travel protections, which can definitely provide a ton of value.

All that said, the very best method, in my opinion, is to get both cards. When you have a Sapphire card, you can pool the points you earn from all your Chase cards together to use for travel. This makes the 5% cash back you could earn with a Chase Freedom Flex® card more equivalent to 5X points per dollar, which is a huge increase in potential value.

Apply for Chase Sapphire Preferred® Card.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 27.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.24% - 28.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Chase Freedom Flex vs. Chase Sapphire Preferred comparison

Whether you only want one card, or are simply trying to choose which one to get first, knowing how each card's features stack up to the other can be a helpful place to start.

Chase Freedom Flex vs. Chase Sapphire Preferred annual fee

Winner: Chase Freedom Flex®

This is an easy win for the Chase Freedom Flex® since it has no annual fee. This is always ideal, since it won't matter how often you do -- or don't -- use the card as you don't need to make up any extra value.

In contrast, the Chase Sapphire Preferred® Card has a $95 annual fee. This means you really need to get at least that much value from the card to make it worth keeping. For me, the welcome bonus is a huge part of that for at least the first year. But ideally, you'll also get some good return on your rewards by transferring them for travel. Additionally, the card has some travel and partner credits that can add more value.

Chase Freedom Flex vs. Chase Sapphire Preferred welcome offer

Winner: Chase Sapphire Preferred® Card

Considering it has no annual fee, the Chase Freedom Flex® typically has a very respectable welcome offer. The offer I most often see is a $200 bonus when you spend $500 in the first 3 months. This is a great return on your spend, plus the low spending requirement makes this bonus accessible to people on all different budgets.

The Chase Sapphire Preferred® Card wins this round, however. Its usual bonus is worth at least three times the usual Freedom bonus -- and it's even better during a special promo. Plus, if you transfer those points to a travel partner, you could potentially double or even triple your per-point value. (Ever wanted to fly to Europe in business class?)

Chase Freedom Flex vs. Chase Sapphire Preferred intro APR

Winner: Chase Freedom Flex®

Here's another place where picking a winner is easy peasy. That's because the Chase Freedom Flex® is only of the two cards to offer an intro APR of any kind. More than that, however, it's a good intro 0% APR offer of 15 months for both purchases and balance transfers.

After the intro APR expires, the go-to 18.99% - 28.49% Variable APR applies.

Chase Freedom Flex vs. Chase Sapphire Preferred rewards

Winner: Everyone, especially if you have both cards!

The Chase Freedom Flex® has both rotating and static cash back rewards categories:

  • Earn 5% cash back in quarterly rotating bonus categories, on up to $1,500 in category purchases each quarter you activate.
  • Earn 3% cash back on dining purchases.
  • Earn 3% cash back on drugstore purchases.
  • Earn 1% cash back on other purchases.

You won't know the categories for the year until a few weeks before the new quarter, but they're usually useful and popular categories like grocery stores, hotels, or even gym memberships.

Although the Chase Freedom Flex® is advertised as a cash back rewards card, it technically earns Ultimate Rewards points. If you don't have a Chase travel rewards card, however, your main redemption option is going to be for cash back in the form of a statement credit.

In comparison, the Chase Sapphire Preferred® Card is a travel rewards card, but it also has some other useful bonus categories:

  • Earn 3X points per dollar on dining purchases.
  • Earn 3X points per dollar on select online grocery purchases.
  • Earn 3X points per dollar on select streaming services.
  • Earn 2X points per dollar on travel purchases.
  • Earn 1X point per dollar on other purchases.

The Ultimate Rewards points you earn with this card can be redeemed for statement credit, but you'll get a much better return if you use them for travel. You can get $0.0125 per point in the Chase Travel portal. Or you can transfer to a hotel or airline partner and potentially double or triple your return.

Since each card is designed to cover mostly different types of purchases, this isn't really an apples-to-apples comparison. Indeed, the two cards have little overlap, making them good complements to each other.

Which brings me back to my original point: These two cards are actually best as a team. If you have both cards, then you can pool your rewards from each. This allows you to use rewards earned with the Chase Freedom Flex® for free travel.

Final take

In the battle of Chase Freedom Flex® vs. Chase Sapphire Preferred® Card, well, everyone's a winner. These two cards are excellent companions. (Indeed, you could also add the Chase Freedom Unlimited® card to cover your non-category purchases. This is one variation of the infamous Chase Trifecta.)

If you want to choose just one, pick whichever best suits your needs. Folks who travel often may get a lot of value from the Chase Sapphire Preferred® Card. Others may get more out of the rotating rewards of the Chase Freedom Flex®. Ultimately, I don't think there are any losers in either case.

Ratings Methodology

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.99% - 28.49% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.

    Read Full Review
    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99%-28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC
Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Preferred® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 bonus points

  • This card easily justifies the (very reasonable) annual fee with benefits that deliver real value. For a limited time, earn 100,000 bonus points after spending $5,000 in the first 3 months, which we estimate is worth $1,250 in Chase Travel℠ value. Plus, enjoy bonus travel and dining rewards, a $50 annual hotel credit, and 25% more value when booking through Chase Travel. With added travel protections like rental car insurance and trip reimbursement, we think this card is a game-changer for any traveler.

    Read Full Review
    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
    • Member FDIC