Side-by-side comparison
Blue Cash Preferred vs Freedom Flex
Basics
Annual fee
$95/yr
No annual fee
Rewards type
Cash back
Chase Ultimate Rewards
Annual credits
$84/yr
—
Net cost (fee − credits)
$11/yr
$0/yr
Earning rates
All other spending
1%
1x
Groceries
6%
—
Streaming
6%
—
Transit
3%
—
Gas & EV Charging
3%
—
Travel
—
5x
Dining
—
3x
Drugstores
—
3x
Credits & Benefits
Up to $84 Disney Bundle Credit
$84/yr
—
Which card should you pick?
After accounting for credits and benefits, the Freedom Flex has a lower net annual cost ($0/yr vs $11/yr for the Blue Cash Preferred), making it the more cost-effective choice if you use the credits.
The Blue Cash Preferred stands out with 6% on groceries, while the Freedom Flex leads with 5x on travel. Pick the card that matches where you spend the most each month.
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