Chase Freedom Flex vs. Sapphire Preferred: Are they better together?

Overview - The Chase Freedom Flex® and the Chase Sapphire Preferred® Card are both highly regarded for cash-back and travel rewards, but they differ significantly in features and benefits [1][2] Annual Fee - The Chase Freedom Flex has no annual fee, providing high cash-back potential and various protections [3] - The Chase Sapphire Preferred has a $95 annual fee, which can be offset by its rewards and perks for frequent users [4] Introductory APR - The Freedom Flex offers a 0% introductory APR for the first 15 months on new purchases and balance transfers, making it advantageous for large purchases or debt repayment [5] - The Sapphire Preferred does not provide an introductory APR [5] Welcome Bonus - The Sapphire Preferred offers a welcome bonus of 75,000 points after spending $5,000 in the first three months, beneficial for frequent travelers [6] - The Freedom Flex provides a $200 cash back bonus after spending $500 in the first three months, which is easier for those with smaller budgets [7] Rewards Structure - The Sapphire Preferred offers rewards on various categories, including 5% on travel booked through Chase, and points are worth 25% more when redeemed for travel [8][9] - The Freedom Flex allows for 5% cash back on rotating categories each quarter, but this is limited to $1,500 in spending per quarter [11] Other Benefits - Both cards offer travel and purchase protections, but the Sapphire Preferred has more comprehensive coverage [13] - The Sapphire Preferred includes additional perks such as a $50 annual hotel credit and a 10% anniversary bonus on total purchases [14] Recommendations - The Freedom Flex is ideal for those seeking high rewards on everyday spending and those who need to manage large purchases or debt [15] - The Sapphire Preferred is recommended for users who travel frequently and want access to more travel benefits and flexible redemption options [20] Pairing Cards - Combining the Freedom Flex and Sapphire Preferred is often suggested to maximize rewards, allowing users to benefit from both cash-back and travel rewards [24]