Bank card showdown: Chase Freedom Flex vs. Uncover it Money Again

It is simple to concentrate on premium journey rewards bank cards because of their outsized advantages, however remember about strong rewards playing cards with extra modest perks and no annual charges just like the Chase Freedom Flex and Uncover it® Money Again.

Not solely are they often higher decisions for folks simply beginning to construct their credit score, however these fashionable cash-back playing cards additionally provide some nice incomes alternatives, a strong price of return on on a regular basis spending and 0% introductory APR on purchases and steadiness transfers for people who want a bit of flexibility.

These two playing cards, specifically, are value evaluating because of their (very) comparable incomes constructions, “good” beneficial credit score rating and different perks. This is a snapshot of how the 2 stack up.

The data for the Uncover it Money Again has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Chase Freedom Flex vs. Uncover it Money Again comparability

Chase Freedom Flex Uncover it® Money Again
Annual charge $0 $0
Welcome provide $200 money again after you spend $500 on purchases within the first 3 months from account opening Double money again on all purchases through the first 12 months
Incomes charges 5% money again on as much as $1,500 in purchases on quarterly bonus classes (activation required, 1% after that)

5% again on Lyft rides (by means of March 2025)

5% money again on journey bought by means of Chase Final Rewards

3% money again on eating, together with takeout and eligible supply companies

3% money again on drugstore purchases

1% money again on all different purchases

Phrases apply

5% on as much as $1,500 quarterly rotating classes

1% on every thing else

Further advantages Cellphone safety

Buy safety

Zero legal responsibility safety

Prolonged guarantee safety

Journey cancellation/interruption insurance coverage

No overseas transaction charges

Freedom Flex vs. Uncover it welcome provide

Proper now, the Freedom Flex is providing $200 money again after you spend $500 on purchases within the first three months from account opening.


The Uncover it, in the meantime, will match the money again earned on all purchases throughout your first 12 months of card possession, successfully doubling the cardboard’s incomes charges for the primary 12 months.

Meaning should you earn greater than $200 money again on the Uncover it throughout your first 12 months — not too troublesome, given the cardboard’s 5% rotating bonus class — its welcome provide will outweigh the Freedom Flex’s.

Winner: Uncover it

Freedom Flex vs. Uncover it advantages

The Freedom Flex card provides just a few widespread advantages for a no-annual-fee card, together with cellphone safety, buying protections, and journey cancellation and interruption insurance coverage. Cardholders may also get pleasure from three months of complimentary DashPass with DoorDash, which gives free supply on eligible orders and diminished service charges.

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The Uncover it’s a little shorter on advantages. Nevertheless, you may nonetheless get pleasure from issues like on-line privateness safety, a $0 fraud legal responsibility assure and free Social Safety quantity alerts if Uncover finds your quantity used on a darkish web site.

Winner: Freedom Flex

Incomes money again on the Freedom Flex vs. Uncover it

The Freedom Flex comes with the next incomes bonuses:

  • 5% on as much as the primary $1,500 spent on rotating classes every quarter (activation required)
  • 5% on Lyft rides (by means of March 2025)
  • 5% on journey booked by means of Chase Final Rewards journey
  • 3% on eating (together with takeout and eligible supply companies)
  • 3% on drugstore purchases
  • 1% on all different purchases

These incomes classes could be wholesome for any card, not to mention a no-annual-fee card. The rotating classes change every quarter and have included Walmart, gasoline stations and purchases with PayPal previously.

The Uncover it additionally has a rotating 5% bonus class with a quarterly calendar, though it would not include the opposite candy incomes charges the Freedom Flex has.

Winner: Freedom Flex

Redeeming money again on the Freedom Flex vs. Uncover it

This is the place the 2 playing cards probably diverge dramatically. The Uncover it Money Again card is a cash-back bank card, plain and easy. Every level you earn is value 1 cent apiece towards assertion credit on purchases, reward playing cards, charitable donations and deposits right into a linked checking account.

Associated: Your final information to Uncover playing cards

Theoretically, the factors you earn with the Chase Freedom Flex are additionally value 1 cent apiece towards assertion credit, journey booked by means of Chase, reward playing cards and direct deposits into linked U.S. financial institution accounts, although barely much less for purchases and Chase Pay redemptions.


Nevertheless, suppose you will have one other card that earns transferable Final Rewards factors. In that case, you possibly can mix those you earn along with your Freedom Flex card along with your different accounts and make them transferable to the Final Rewards program’s airline and resort switch companions.

Winner: Freedom Flex

Transferring money again on the Freedom Flex vs. Uncover it

Changing your Freedom Flex rewards additionally means you’re elevating the worth of your factors on direct journey redemptions by means of the Chase portal. As a substitute of 1 cent per level, you possibly can unlock 1.25-1.5 cents per level (relying on the opposite card you carry). Meaning you’re probably upping your price of return by 25 to 50%.

A number of the greatest Chase switch companions embody Hyatt, United, British Airways and Singapore Airways for fancy accommodations or flights.

TPG director of content material Summer season Hull prefers to switch her factors to World of Hyatt so she will be able to use them to e-book stays at resorts or metropolis properties that may usually be out of her finances. Irrespective of how you employ your rewards, you may discover some nice switch choices in Chase’s listing of companions.

Winner: Freedom Flex

Ought to I get the Freedom Flex or Uncover it?

The Chase Freedom Flex is a more sensible choice for frequent vacationers trying to enhance their factors steadiness. That is due to the added flexibility of level redemptions when you have one other Chase Final Rewards card. Nevertheless, should you’re simply getting began with credit score and on the lookout for a no-frills, no-fee card with an ideal price of return that will not penalize you for a late fee whilst you’re getting began, the Uncover it® Money Again can be a wonderful selection.

Backside line

With the dear rotating bonus classes on each playing cards, it is simple to justify truly getting each the Freedom Flex and the Uncover it. The 2 playing cards are simply a number of the greatest no-annual-fee cash-back choices available on the market. And when you issue within the matched money again provide on the Uncover it and the extra perks on the Freedom Flex, the query of “Are these playing cards value it?” turns into so much simpler to reply for the common cash-back fanatic.

To be taught extra, learn our full evaluations of the Freedom Flex and Uncover it.

Apply right here: Chase Freedom Flex with $200 money again after you spend $500 on purchases within the first 3 months from account opening.

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