Chase Freedom Flex℠ vs. Uncover it® Money Again [2024]

The Chase Freedom Flex and Uncover it Money Again are two rewards bank cards that may assist reward you in your spending primarily based on rotating classes. Whereas both card could possibly be a wonderful addition to your pockets, the Chase Freedom Flex gives a better incomes potential.

Let’s discover the variations between the Chase Freedom Flex and the Uncover it Money Again that can assist you resolve which card is finest for you.

Chase Freedom Flex vs. Uncover it Money Again

	Chase Freedom Flex®	Uncover it® Money Again
Card sort	Money again	Money again
FinanceBuzz star scores	4.7 FinanceBuzz writers and editors rating playing cards primarily based on a lot of goal options in addition to our knowledgeable editorial evaluation. Our companions don’t affect how we price merchandise.	4.7 FinanceBuzz writers and editors rating playing cards primarily based on a lot of goal options in addition to our knowledgeable editorial evaluation. Our companions don’t affect how we price merchandise.
FinanceBuzz worth calculation1	Yr one earnings: $855 Yr two earnings: $655	Yr one earnings: $1,070 Yr two earnings: $535
Annual payment	$0	$0
Welcome provide	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.	Uncover will match all of the money again you’ve earned on the finish of your first 12 months.
Incomes price	Earn 5% money again on rotating quarterly classes you activate (on as much as $1,500 spent) and journey bought by way of Chase Journey℠; 3% money again on drugstore purchases and eating at eating places (together with takeout and eligible supply service); and 1% money again on all different purchases.	Earn 5% money again on on a regular basis purchases at completely different locations you store every quarter like grocery shops, eating places, gasoline stations, and extra, as much as the quarterly most if you activate. Plus, earn limitless 1% money again on all different purchases—robotically.
Intro APR	0% intro APR for 15 months on purchases (then 20.49%-29.24% Variable). 0% intro APR for 15 months on stability transfers (then 20.49%-29.24% Variable).	0% intro APR for 15 months on purchases (then 18.24% – 28.24% Variable). 0% intro APR for 15 months on stability transfers (then 18.24% – 28.24% Variable).
International transaction payment	3%	0%
Really helpful credit score	Wonderful, Good	Wonderful, Good
	Learn full evaluation	Learn full evaluation

When to go along with the Chase Freedom Flex

The Chase Freedom Flex combines the advantages of a money again and journey bank card, providing elevated rewards on rotating bonus classes, in addition to a couple of different common classes. Although one of the best card for you’ll rely in your particular wants, we predict the Chase Freedom Flex is the higher possibility for most individuals. Listed below are some conditions chances are you’ll go for the Freedom Flex:

• You need to earn essentially the most money again
  
• You’ve gotten one other Chase journey card
  
• You desire a welcome bonus
  
• You need additional protections

Let’s discover these advantages a bit extra in-depth.

You need to earn essentially the most money again

The Chase Freedom Flex has a far greater incomes potential than the Uncover it Money Again. Each playing cards have the identical core advantage of incomes bonus money again on rotating classes every quarter. With Chase Freedom Flex, you can earn 5% money again on rotating quarterly classes you activate (on as much as $1,500 spent) and journey bought by way of Chase Journey℠. Bonus classes could embrace grocery shops, gasoline stations, eating places, and extra.

However on prime of the elevated money again within the present bonus class, the Chase Freedom Flex additionally gives elevated rewards in a couple of different classes. You’ll earn:

• 3% money again on drugstore purchases and eating at eating places (together with takeout and eligible supply service)
  
• 1% money again on all different purchases

You’ve gotten one other Chase journey card

The Chase Freedom Flex is the best choice if you have already got a journey bank card within the Chase ecosystem. When you might have a number of Chase playing cards, you may switch factors between them.

Journey playing cards just like the Chase Sapphire Most popular^® Card and Chase Sapphire Reserve^® can help you redeem your factors for journey at a larger worth. By transferring factors from the Chase Freedom Flex to a kind of different playing cards, you get essentially the most financial institution in your buck. If you have already got a Chase journey card, the Freedom Flex is a superb alternative.

You need essentially the most redemption choices

The Chase Freedom Flex and Uncover it Money Again are thought of money again bank cards as a result of they earn cashback rewards on eligible purchases.

Nonetheless, the Freedom Flex earns money again within the type of Final Rewards factors that present a bit extra flexibility than your commonplace cashback rewards.

Right here’s a breakdown of the redemption choices with every card:

General, the Freedom Flex has fairly a couple of extra redemption choices. That features having the ability to redeem factors for journey by way of the Chase Journey℠ portal and mixing your rewards with different eligible Chase bank cards.

You need additional protections

The Chase Freedom Flex supplies helpful card protections, together with:

• Buy safety
  
• Prolonged guarantee safety
  
• Journey cancellation and interruption insurance coverage
  
• Mobile phone safety
  
• Auto rental collision injury waiver

If you have already got a premium bank card in your pockets, these protections might not be essential to you. Your different card(s) possible already provide them. But when the Chase Freedom Flex is your first card or one among your first playing cards, these protections can present lots of worth.

The Uncover it Money Again doesn’t present any of those protections or coverages, although It does present on-line privateness safety.

Study extra in our Chase Freedom Flex evaluation.

When to go along with the Uncover it Money Again

We wouldn’t advocate the Uncover it Money Again over the Chase Freedom Flex for most individuals. It merely doesn’t provide the identical worth. Nonetheless, there are a couple of choose conditions the place this one is likely to be your alternative:

• You need no overseas transaction charges
  
• You need Uncover’s Cashback Match^TM
• You don’t want Chase’s bonus classes

Let’s dive a bit deeper into these advantages.

You need no overseas transaction charges

The Uncover it Money Again, like all Uncover playing cards, has no overseas transaction payment. When you have some worldwide journey arising and don’t have already got a card in your pockets that doesn’t cost overseas transaction charges, this could possibly be a superb possibility.

One factor to think about is that whereas Uncover doesn’t cost overseas transaction charges, it’s additionally not as broadly accepted world wide as Mastercard, which is the community the Chase Freedom Flex is on.

You need Uncover’s Cashback Match

Uncover has a novel profit referred to as its Cashback Match. Uncover will match all of the money again you’ve earned on the finish of your first 12 months. For instance, in case you get to the top of the primary 12 months and also you’ve earned $150, Uncover offers you one other $150.

You don’t want Chase’s bonus classes

Let’s say you have already got a number of bank cards — ideally outdoors the Chase ecosystem — in your pockets that earn you elevated rewards within the classes you care about. You’re merely seeking to reap the benefits of the elevated rotating bonus classes from both the Uncover it Money Again or the Chase Freedom Flex.

It’s best to have already got the opposite bonus classes, resembling journey and eating places, coated elsewhere. And because you don’t use different Chase playing cards, you gained’t profit from the purpose transfers. In that case, you may resolve you like the Uncover card.

Study extra in our Uncover it Money Again evaluation.

What they’ve in widespread

The variations between the Chase Freedom Flex and Uncover it Money Again are crucial components if you’re making an attempt to decide on between them. Nonetheless, these playing cards even have a couple of essential issues in widespread:

• Rotating bonus classes: Each the Chase Freedom Flex and Uncover it Money Again can help you earn elevated money again on a special rotating bonus class every quarter.
  
• No annual charges: The Chase Freedom Flex has a $0 annual payment, whereas the Uncover it Money Again additionally has a $0 annual payment.
  
• Introductory APR gives: The Chase Freedom Flex and Uncover it Money Again present helpful intro APR gives, which apply to each purchases and stability transfers.
  
• Activation required: Each the Chase Freedom Flex and Uncover it Money Again require you to manually activate the bonus class every quarter. When you suppose you’re unlikely to recollect to do that, it’s attainable that neither card is best for you.
  
• Spending caps: Each the Chase Freedom Flex and Uncover it Money Again have spending caps.

FAQs

Backside line

The Chase Freedom Flex and Uncover it Money Again are comparable no-annual-fee playing cards that use rotating classes as a part of their rewards packages. However for essentially the most half, the similarities finish there.

The Freedom Flex supplies extra advantages with regards to bonus rewards classes, redemption choices, and extra card protections. And if you have already got different Chase playing cards, the advantages are even larger.

You don’t essentially have to decide on between these two playing cards. Neither costs an annual payment, so it doesn’t harm to have them in your pockets, and you can reap the benefits of much more bonus money again spending. Simply ensure that to check the bonus classes to verify there’s not an excessive amount of overlap, which may defeat the aim of getting each.