Head-to-head · 🇺🇸 United States
Chase Freedom Flex vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Freedom Flex
Wins 2 of 10
US
Discover
Discover It Miles
Discover
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Freedom Flex | Discover It Miles |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 spend in first 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Chase Freedom Flex vs Discover It Miles: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Freedom Flex wins on 2 criteria, Discover It Miles on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Flex for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Flex: $200 cashback after $500 spend in first 3 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).