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The American Express Everyday® Credit Card vs The Chase Freedom Flex Card

5 min read
By Brendan Harkness Apr 15, 2015 | Updated Sep 15, 2020

The Amex EveryDay® Credit Card (Review) and the Chase Freedom Flex℠ (Review) are both popular rewards cards, but they are very different.

The EveryDay card is designed for shopping at supermarkets, so it’s a good choice for groceries. The Chase Freedom Flex offers cash back in rotating categories that change every three months, along with some other categories, so it’s useful for a variety of purchases.

Read on to learn more about these cards, and why you might want one or both of them.

Amex EveryDay® Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR12.99%–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 12.99%–23.99% Variable.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.

The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Chase Freedom Flex℠

Min. credit levelGood
Details
Annual Fee$0
Regular APR14.99% - 23.74% Variable

The Rewards

Both cards offer a generous rewards program, but they take very different approaches.

Amex EveryDay

  • 2X points per dollar when shopping at supermarkets (on up to $6,000 in purchases per year)
  • 1X point per dollar on all other purchases
  • 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
  • 20% point bonus if you use your card 20 or more times per billing period (bonus applies to those purchases)

Points can be redeemed for statement credits or gift cards, or can be transferred to over 20 major frequent flyer programs.

Chase Freedom Flex

  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases
  • $200 bonus for spending $500 in the first 3 months
  • Access to the Chase Ultimate Rewards marketplace, where you’ll find special deals at participating retailers

Here are the current and recent 5% cash back bonus categories:

Quarter 2019 Categories 2020 Categories
January – March
  • Gas Stations
  • Tolls
  • Drugstores
  • Gas Stations
  • Streaming Services
  • Internet, Cable, Phone Services
April – June
  • Grocery Stores
  • Home Improvement Stores
  • Grocery Stores
  • Streaming Services
  • Fitness Club & Gym Memberships
July – September
  • Gas Stations
  • Streaming Services
  • Amazon
  • Whole Foods Market
October – December
  • Department Stores
  • PayPal
  • Chase Pay
  • Walmart
  • PayPal

You’ll need to go online and activate your 5% reward category before you can start earning points in it.

The Verdict

When it comes to the rewards, the card for you will clearly depend on your spending habits. Do you spend a lot of money at supermarkets, or are you always shopping at the stores in Chase’s 5% cash back calendar? How about the other 3% and 5% categories?

An interesting option here is to consider both cards, using the Freedom Flex card when you make purchases in its categories and the EveryDay card when you go grocery shopping. Having several credit cards won’t hurt your credit, as long as you use them responsibly; learn more about having and using multiple credit cards here.

The Benefits

Both of these cards come with quite a few additional shopping and traveling benefits. Here are some of the most interesting from each.

Amex EveryDay

Entertainment

  • Entertainment Access

    Exclusive discounts to events, concerts, sporting events, and shows.

Shopping

  • Extended Warranty

    For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty.

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1000 per year for each account.

Travel

  • Travel Accident Insurance

    Added financial security if death or dismemberment is caused when traveling by plane, train, ship, or bus.

  • Global Assist® Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You pay for all third-party service costs.

  • Car Rental Loss and Damage Insurance

    Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.

Chase Freedom Flex

Dining

  • DoorDash Membership

    A free membership (DashPass) for three months, and then a 50% discount for the next nine months; DashPass provides free delivery and reduced service fees on orders over $12.

Shopping

  • Purchase Protection

    Purchases are covered for 120 days against theft or damage, up to $500 per claim and $50,000 per account.

  • Extended Warranty Protection

    Eligible warranties of 3 years or less can be extended by up to an additional year.

Travel

  • Travel and Emergency Assistance Services

    Provides a number of emergency services, 24/7.  Services include sending emergency messages, providing medical and legal referrals, ticket and document location, and translation services.

  • Auto Rental Collision Damage Waiver

    Collision and theft damage is covered on most cars in the U.S. and abroad, provided that the cardholder purchases the rental with their card and declines the rental company’s collision insurance. Personal insurance takes precedence over the coverage provided through the Auto Rental Collision Damage Waiver.

  • Trip Cancellation/Trip Interruption Insurance

    You will be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

The Verdict

Both of these cards offer a fairly large set of additional benefits, many of which overlap.

The EveryDay card offers the Entertainment Access service, which could get you a good deal on a show or sports game. The Freedom Flex has the trip cancellation/interruption insurance benefit, plus the DoorDash membership.

Other than that, there aren’t really any other significant differences between the cards.

Here’s a side-by-side comparison of the benefits offered by each card:

AmEx EveryDay Chase Freedom Flex

Entertainment:

  • Entertainment Access

 

Security:

  • Dispute Resolution
  • Fraud Protection

 

Shopping:

  • Extended Warranty Protection
  • Purchase Protection

 

Travel:

  • Global Assist® Hotline
  • Roadside Assistance Hotline
  • Car Rental Loss and Damage Insurance

Security

  • Fraud Protection
  • Cell Phone Protection

 

Shopping:

  • Purchase Protection
  • Extended Warranty Protection
  • Return Protection

 

Travel:

  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation/Trip Interruption Insurance
  • Lost Luggage Reimbursement

The Costs & Fees

Card Annual Fee Purchase APR Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Amex EveryDay $0 0% for 15 months, then 12.99%–23.99% Variable None 25.24% Variable 2.7%
Freedom Flex $0 0% for 15 months, then 14.99% - 23.74% Variable 14.99% - 23.74% Variable 24.99% Variable 3% of each transaction in U.S. dollars
Card Penalty APR Late Fee Returned Payment Fee
Amex EveryDay 29.24% Variable Up to $40 Up to $40
Freedom Flex None See Terms See Terms

The Verdict

These cards are almost identical when it comes to the rates and fees, but there are a few differences to note.

The introductory APR of the EveryDay card will last 12 months, while you’ll get 15 months for the Chase Freedom Flex. These are pretty comparable.

Neither card has an annual fee, so they shouldn’t cost you anything as long as you use them responsibly.

The Bottom Line

The Amex EveryDay® Credit Card (Review) and the Chase Freedom Flex℠ (Review) are both very rewarding cards, offering a single reward category on the one hand and rotating categories on the other.

If you’re trying to pick between them, focus on the rewards they offer and think about your shopping habits. Do you buy a lot of groceries? Or do you do a lot of spending at stores where you’ll get 5% back with the Chase Freedom Flex?

They’re suitable for different kinds of shopping habits, but, as mentioned above, you can always consider using both cards if your lifestyle (and financial responsibility) can handle it. Just use the Chase Freedom Flex whenever you’ll get the 3% or 5% back, and the EveryDay card for groceries.

If you use one of these credit cards, how do you like it? Leave your own review of the American Express EveryDay or the Chase Freedom Flex card below, we’d love to hear from you!

Amex EveryDay® Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR12.99%–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases, then a variable rate, currently 12.99%–23.99% Variable.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.

The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Chase Freedom Flex℠

Min. credit levelGood
Details
Annual Fee$0
Regular APR14.99% - 23.74% Variable

Or learn more about Reward Credit Cards and see our picks for the best cards!

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The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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