Chase Freedom Flex vs Fold
Compare the Chase Freedom Flex ($0/yr) against the Fold ($0/yr) to see which card earns you more rewards based on your spending.
See how the Chase Freedom Flex and Fold stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Freedom Flex | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | 3.5% |
| Travel Rewards | 5% | 3.5% |
| Dining Rewards | 3% | 3.5% |
| Key Benefits | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. | Up to 3.5% bitcoin back on all purchases. |
| Issuer | Chase | Sutton Bank |
Quick Summary
The Chase Freedom Flex has a $0 annual fee (same as Fold).
Fold has a higher base reward rate (3.5% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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