Chase Freedom Flex® vs Truist Enjoy Cash Secured
Chase Freedom Flex® earns more in 4 of the 8 categories we track. Neither has an annual fee.
The basics
| Detail | Chase Freedom Flex® | Truist Enjoy Cash Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 25,000 Chase Ultimate Rewards after $500 in 90 days | — |
What each earns
| Category | Chase Freedom Flex® | Truist Enjoy Cash Secured |
|---|---|---|
| Card Travel Portals | 5.0% (higher) 5x | 1.0% 1x |
| Groceries | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 2.0% 2x, up to $1,000 |
| Dining & Restaurants | 3.0% (higher) 3x | 1.0% 1x |
| Drugstores & Pharmacies | 3.0% (higher) 3x | 1.0% 1x |
| Gas Stations | 1.0% 1x | 3.0% (higher) 3x, up to $1,000 |
| EV Charging | 1.0% 1x | 3.0% (higher) 3x, up to $1,000 |
| Utilities | 1.0% 1x | 2.0% (higher) 2x, up to $1,000 |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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