Chase Sapphire Preferred® Card vs. Chase Freedom Flex®

Side-by-side comparison · Updated 2026 · Independently reviewed

Chase logo
Chase Sapphire Preferred® Card
Chase
4.8

Earn 60,000 bonus points. Strong travel and dining rewards.

Full review →
Chase logo
Chase Freedom Flex®
Chase
4.6

5% in rotating categories. 3% dining and drugstores.

Full review →
WealthSpott Verdict

Chase Freedom Flex® wins on more measurable categories — particularly annual cost. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.

Feature
Chase Sapphire Preferred®
Chase Freedom Flex®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-5x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
21.49%-28.49% Variable
20.49%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
  • Valuable sign-up bonus (60k points)
  • 3x on dining and travel
  • No foreign transaction fee
Cons
  • $95 annual fee
  • Points worth more when redeemed for travel through Chase
Full review
Chase Freedom Flex®
Pros
  • 5% in rotating categories + 3% dining/drugstores
  • No annual fee
  • Pairs well with Sapphire for point transfers
Cons
  • Must activate rotating categories quarterly
  • 3% foreign transaction fee
Full review

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