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Chase Freedom Flex vs Prime Visa

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. Prime Visa 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Prime Visa 2.0% 2%

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Prime Visa 1.0% 1% base rate

Gas

  1. Prime Visa 2.0% 2%
  2. Freedom Flex 1.0% 1% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%
  2. Prime Visa · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Prime Visa 1.0% 1% base rate

Amazon

  1. Prime Visa 5.0% 5%
  2. Freedom Flex 1.0% 1% base rate

Public transit

  1. Prime Visa 2.0% 2%
  2. Freedom Flex 1.0% 1% base rate

Rideshare & taxis

  1. Prime Visa 2.0% 2%
  2. Freedom Flex 1.0% 1% base rate

Lyft

  1. Freedom Flex 2.0% 2%
  2. Prime Visa 2.0% 2%

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 dining, groceries and drugstores; Prime Visa takes gas, amazon, public transit and rideshare & taxis.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Flex1.0%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
GasPrime Visa2.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
AmazonPrime Visa5.0%
Public transitPrime Visa2.0%
Rideshare & taxisPrime Visa2.0%
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. Prime Visa — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Prime Visa — 2.0%

Groceries

  1. Freedom Flex — 5.0%
  2. Prime Visa — 1.0%

Gas

  1. Prime Visa — 2.0%
  2. Freedom Flex — 1.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%
  2. Prime Visa · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Prime Visa — 1.0%

Amazon

  1. Prime Visa — 5.0%
  2. Freedom Flex — 1.0%

Public transit

  1. Prime Visa — 2.0%
  2. Freedom Flex — 1.0%

Rideshare & taxis

  1. Prime Visa — 2.0%
  2. Freedom Flex — 1.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Prime Visa — 2.0%
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