Discover it Cash Back vs. Chase Freedom Flex

If you have credit card debt to pay off and are also interested in a balance transfer card, both cards are solid choices since they provide similar introductory 0 percent APR offers.

The Discover it Cash Back wins this category because its regular APR is slightly lower than Freedom Flex’s. Considering how high the average national credit card APR is right now, the lower end of the Discover it Cash Back range is rare. It can also make a huge difference for cardholders who have an unpaid balance after the end of the intro APR period but are still intent on paying their debt off.

The Freedom Flex offers an intro balance transfer fee of 3 percent (or $5, whichever is greater) for the first 60 days, after which the fee rises to 5 percent (or $5, whichever is greater). The Discover it Cash Back’s intro transfer fee is similar — 3 percent for a limited time (see terms), then 5 percent.