Card database → Chase Freedom Flex vs Chase Sapphire Reserve
Chase Freedom Flex vs Chase Sapphire Reserve
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Chase Freedom Flex | Chase Sapphire Reserve |
|---|---|---|
| Dining | 3.0¢/$ (3%) | 3.8¢/$ (3x) |
| Groceries | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Gas | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Travel | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Flights | 1.0¢/$ (1%) | 5.0¢/$ (4x) |
| Hotels | 1.0¢/$ (1%) | 5.0¢/$ (4x) |
| Streaming | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Online retail | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Issuer travel portal | 5.0¢/$ (5%) | 10.0¢/$ (8x) |
| Drugstores | 3.0¢/$ (3%) | 1.3¢/$ (1x) |
| Rideshare | 1.0¢/$ (1%) | 1.3¢/$ (1x) 5x at Lyft only — not counted |
| Everything else | 1.0¢/$ (1%) | 1.3¢/$ (1x) |
| Annual fee | None | $795 |
| Statement credits (max/yr) | — | $2,190 |
| Foreign transaction fee | 3% | None |
| Signup bonus | 20,000 after $500/3mo | 100,000 after $6,000/3mo |
| Offer last confirmed | 2026-09-14 | 2026-09-14 |
Chase Sapphire Reserve wins more of the everyday categories (11 of 12), but Chase Freedom Flex costs $795 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Chase Ultimate Rewards at 1.25¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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