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2020 analysis: Chase Freedom Flex℠ vs Blue Cash Everyday® Card from American Express

Choose your bonus cashback categories: rotating or fixed.

Updated . What changed?

Fact checked

The winner: Chase Freedom Flex℠

Chase Freedom Flex℠ logo

Up to 5%

Cash back

  • Huge signup bonus for a no-annual-fee card
  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • New rewards on travel, dining and drugstores
Apply now

The main difference between the Chase Freedom Flex℠ by Mastercard and the Blue Cash Everyday® Card from American Express is the cashback rate on select categories. With the Freedom Flex, you earn 5% back on four categories — one of which rotates every quarter and two of which last for a limited time — 3% back on two categories, and 1% back on all other purchases. On the other hand, the Blue Cash Everyday earns 3% back on one category, 2% back on two categories and 1% back on all other purchases.

Head-to-head: Chase Freedom Flex℠ vs Blue Cash Everyday® Card from American Express

Chase Freedom Flex℠

Chase Freedom Flex℠

Rates & Fees

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.7 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Long intro APR period and cash back in rotating categories
  • Cash back on groceries and gas
Welcome offer
Welcome offer

$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year

20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe

Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases

20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

0% intro APR for 15 months, and then 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable

N/A

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction 2.7% of each transaction
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Summary of card features

Chase Freedom Flex℠

Chase Freedom Flex℠

  • Huge potential signup bonus worth up to $800
  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • 5% on travel purchased through Chase
  • 3% on dining and drugstores
  • 1% on all other purchases
  • Intro APR on purchases

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Intro APR period on purchases. You'll get a 0% intro APR period on purchases for the first 15 months from account opening. After that, your rate reverts to 13.99% to 23.99% variable.
  • Earn cash back. Earn 3% cash back on up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on everything else you buy.
  • Welcome offer. Get $100 bonus after you spend $1,000 on purchases in the first 6 months following your account opening. You'll also earn 20% back at Amazon.com up to $200 back in the same timeframe.

Rewards breakdown: Chase Freedom Flex℠ vs Blue Cash Everyday® Card from American Express

It’s important to understand the rewards structure of each card as rewards are the single most important factor needed to decide between them.

Chase Freedom Flex℠ rewards

These are the rewards for the Chase Freedom Flex℠:

  • 5% cash back in quarterly rotating categories on up to $1,500 in combined purchases each quarter, then 1% after that
  • 5% cash back at grocery stores on up to $12,000 for the first year
  • 5% cash back on Lyft rides through March 2022
  • 5% back on travel purchase through Chase Ultimate Rewards
  • 3% back at drugstores
  • 3% back at restaurants, including takeout and delivery
  • 1% cash back on all other purchases

What are Chase Freedom Flex’s bonus categories?

These are the Chase Freedom Flex℠ bonus categories for 2020:

  • January to March: Gas stations, select streaming services, Internet, cable and phone services.
  • April to June: Grocery stores — excluding Walmart and Target purchases — and fitness club and gym membership.
  • July to September: Amazon.com and Whole Foods Market.
  • October to December: Holiday categories. Specifics will be announced.

Rotating categories aren’t the same every year. You might see categories such as mobile wallets, warehouse spending, department stores and phone service merchants.

How to maximize your rewards with the Chase Freedom Flex℠

The best tip for squeezing the most rewards from your Chase Freedom Flex℠? Spend more in bonus categories, but on things you’ll need anyway in the near future. For a full break down, read more about earning Chase Ultimate Rewards points.

Blue Cash Everyday® Card from American Express rewards

These are the rewards for the Blue Cash Everyday® Card from American Express:

  • 3% cash back at US supermarkets on up to $6,000 in purchases per calendar year, then 1% after that.
  • 2% cash back at US gas stations and select US department stores.
  • 1% cash back on other eligible purchases.

These are fixed bonus rewards in everyday categories. This makes the card an especially good choice if, for example, the bulk of your spending is in groceries or gas.

Pro tip

While the Blue Cash Everyday® Card from American Express offers bonus rewards in categories like US supermarkets and US gas stations, it offers just 1% cash back on other eligible purchases.

To boost your rewards, consider using a flat-rate cashback card for the Blue Cash Everyday® Card from American Express‘s non-bonus categories. The Citi® Double Cash Card is a great choice, offering 1% cash back on all purchases and another 1% as you pay them off.

Chase Freedom Flex℠ vs Blue Cash Everyday® Card from American Express: Who wins in other benefits?

The cards are relatively similar in other respects, though they still have differences.

Annual and foreign transaction fees.

You won’t pay an annual fee with either card.

However, both cards charge foreign transaction fees. Chase’s card has a 3% fee and Amex’s has a 2.7% fee. If you’ll be traveling abroad, pick up a no-foreign-transaction fee card.

  • Winner: Blue Cash Everyday® Card from American Express

Welcome offer

The Chase Freedom Flex℠ offers a $200 signup bonus after you spend $500 within the first three months, while the Amex card needs you to spend $1,000 within your first 6 months to earn a $100 statement credit. This could be relevant if you’re not sure whether you’ll meet the spending requirement within the specified time.

Also, the Freedom Flex card offers the 5% back at grocery stores on up to $12,000 for the first yearof card membership as a part of the signup bonus. If you max out both bonuses, you would earn a massive $800 back with the Freedom Flex card.

The Amex card lets you earn 20% back on Amazon.com purchases on up to $200 back within your first 6 months. This is a cool benefit, but it’s not enough to beat the Chase card.

  • Winner: Chase Freedom Flex℠

Intro APR

Both cards offer an intro APR of the same length on purchases. Each offers similar ongoing APRs, though you may receive a lower APR with the Amex card. At the time of this writing, neither offer an intro APR on balance transfers.

Keep in mind that scoring the lowest APR likely requires an excellent credit score.

  • Winner: Tie

Interest grace period

The Chase Freedom Flex℠ has a 21-day grace period, while the Amex card has a 25-day grace period. This might be significant if you typically need a few more days to pay your bill each month before accruing interest.

  • Winner: Chase Freedom Flex℠

Penalty APR

The Chase Freedom Flex℠ doesn’t have a penalty APR. Meanwhile, the Blue Cash Everyday® Card from American Express has a 29.24% variable penalty APR that may be assessed if you make a late or returned payment.

  • Winner: Chase Freedom Flex℠

Compare similar credit cards

If you’re not convinced about either card, you may want to check out other American Express or Chase credit cards. Use the table below to compare similar cashback cards or other credit cards with no annual fee.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Petal® 2
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
12.99% to 26.99% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
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Compare up to 4 providers

Bottom line: Chase Freedom Flex℠ vs Blue Cash Everyday® Card from American Express

There’s no doubt about it — the Chase Freedom Flex℠ is a way more rewarding option than the Blue Cash Everyday Card. In fact, there’s not a single segment where the Blue Cash Everyday beats the Freedom Flex to make it the better choice.

The Chase Freedom Flex℠ is already rewarding enough on its own. But to maximize the rewards, consider adding the Freedom Unlimited and Chase Sapphire Reserve® to your wallet to make the Chase trifecta combo.

But if none of these cards seem appealing enough, compare other cashback cards.

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