Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Freedom Flex® Credit Card (no annual fee) and the REI Co-op® Mastercard® (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Chase Freedom Flex earns more on dining, REI Co-op Mastercard on groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Flex | REI Co-op Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $500 spend in 3 months | $100 after $1 spend in 2 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1.5% |
| Dining Rewards | 3% | 1.5% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. |
Chase Freedom Flex pulls ahead for dining spending.
REI Co-op Mastercard wins on travel, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.