Which is better, the Chase Freedom Flex or the Sapphire Preferred credit card?

Determining which credit card is better between the Chase Freedom Flex and the Sapphire Preferred depends largely on individual spending habits and reward preferences. The Chase Freedom Flex is ideal for those who prefer no annual fee and want to earn cash back with higher reward rates in rotating categories such as groceries, dining, or gas, along with a permanent bonus on travel booked through Chase, dining, and drugstore purchases. On the other hand, the Sapphire Preferred card is better suited for frequent travelers who don't mind paying an annual fee in exchange for higher travel rewards, significant signup bonuses, and additional perks like transferable points to airline and hotel partners, travel insurance, and annual travel credits. While the Sapphire Preferred has a broad 2X points earning on travel and dining purchases, it shines in its redemption options, offering a 25% bonus when redeeming points for travel through Chase Ultimate Rewards. Therefore, one's preference for cash back versus travel rewards, sensitivity to annual fees, and specific spending patterns should guide the decision between these two cards.