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Chase Freedom Flex vs Marriott Bonvoy Bold

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Freedom Flex 1.0% 1% base rate
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Marriott Bonvoy Bold 1.5% 2x

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Marriott Bonvoy Bold 0.8% 1x base rate

Phone & internet

  1. Marriott Bonvoy Bold 1.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Rideshare & taxis

  1. Marriott Bonvoy Bold 1.5% 2x
  2. Freedom Flex 1.0% 1% base rate

Lyft

  1. Freedom Flex 2.0% 2%
  2. Marriott Bonvoy Bold 1.5% 2x

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

Where they differ: Freedom Flex takes everything else, dining, groceries and drugstores, plus 1 more; Marriott Bonvoy Bold takes phone & internet and rideshare & taxis.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Flex1.0%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
Phone & internetMarriott Bonvoy Bold1.5%
Rideshare & taxisMarriott Bonvoy Bold1.5%
LyftFreedom Flex2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Freedom Flex — 1.0%
  2. Marriott Bonvoy Bold — 0.8%

Dining

  1. Freedom Flex — 7.0%
  2. Marriott Bonvoy Bold — 0.8%

Groceries

  1. Freedom Flex — 5.0%
  2. Marriott Bonvoy Bold — 1.5%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Marriott Bonvoy Bold — 0.8%

Phone & internet

  1. Marriott Bonvoy Bold — 1.5%
  2. Freedom Flex — 1.0%

Rideshare & taxis

  1. Marriott Bonvoy Bold — 1.5%
  2. Freedom Flex — 1.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Marriott Bonvoy Bold — 1.5%
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