Card Comparison
Chase Freedom Flex vs Chase Sapphire Preferred
Detailed comparison of rewards, fees, and benefits. Find out which card is better for your spending.
Rewards Comparison
| Category | Chase Freedom Flex | Chase Sapphire Preferred | Winner |
|---|---|---|---|
| Rotating quarterly categories | 5% cash back (5x) | 1x point per $1 | Flex |
| Travel (via Chase) | 5% cash back (5x) | 1x point per $1 | Flex |
| Dining | 3% cash back (3x) | 3x points | Tie |
| Drugstores | 3% cash back (3x) | 1x point per $1 | Flex |
| Travel | 1% cash back (1x) | 5x points | Preferred |
| Online groceries | 1% cash back (1x) | 3x points | Preferred |
| Streaming services | 1% cash back (1x) | 3x points | Preferred |
| All other purchases | 1% cash back (1x) | 1x point per $1 | — |
Chase Freedom Flex Benefits
- No annual fee
- 5% on rotating quarterly categories (must activate, up to $1,500/quarter)
- 3% on dining and drugstores
- 5% on Chase travel bookings
- Cell phone protection (up to $800/claim)
Chase Sapphire Preferred Benefits
- $50 annual hotel credit via Chase Travel
- 5x on travel booked through Chase Travel
- 3x on dining, online groceries, and streaming
- Points transfer to 14 airline/hotel partners
- Trip cancellation/interruption insurance
- No foreign transaction fees
The Verdict
Choose Chase Freedom Flex if:
Budget-conscious users who want no annual fee and are willing to activate quarterly bonus categories
Choose Chase Sapphire Preferred if:
Travel beginners who want strong rewards and travel protections at a reasonable annual fee
🔍 Find the Best Card for Any Merchant
Use CheckMCC to look up any merchant's MCC code and see which of these cards earns the most rewards.