Chase Freedom Flex℠ vs Chase Freedom Unlimited® card: Which is the best?
Are you looking for a credit card with no annual fee and valuable cash back rewards? How about Chase Freedom Flex℠ or Chase Freedom Unlimited®? Read our comparison to know which one is best for you!
by Victória Lourenço
Chase Freedom Flex℠ or Chase Freedom Unlimited®: card comparison
The Chase Freedom Flex℠ and the Chase Freedom Unlimited® card are both cash back credit cards that offer similar rewards, but they have some differences. A big difference is that the Chase Freedom Flex℠ card offers rotating bonus categories, and the Chase Freedom Unlimited® does not. But which one is the best for you: Chase Freedom Flex℠ or Chase Freedom Unlimited®? In this post, we will give you all the information you need to find out. So read on!
How to apply for the Chase Freedom Unlimited®?
The Chase Freedom Unlimited® credit card is a good choice if you want cash back on purchases. See how to apply for it now!
How to apply for the Chase Freedom Flex℠ card?
The Chase Freedom Flex℠ credit card is a good choice if you want a flexible cash back reward program. See how to apply for it now!
|Chase Freedom Flex℠||Chase Freedom Unlimited®|
|Sign-up bonus*||Earn $200 as a welcome bonus after spending $500 on purchases in your first 3 months.|
|After you spend $500 on purchases in your first 3 months, you will earn a $200 welcome bonus.|
|Rewards*||5% cash back on up to $1,500 (combined purchases each quarter).|
5% cash back on travel through Chase Ultimate Rewards®.
3% cash back on dining and drugstore purchases.
1% cash back on every other purchase.
|5% on travel you purchase through Chase Ultimate Rewards®.|
3% on dining and drugstore spendings.
1.5% on any other purchase.
|Other perks*||Get a 0% intro APR for 15 months on purchases.|
Get 3 months of DashPass, a service offered by DoorDash that provides unlimited deliveries for a $0 fee on eligible orders and more!
|Get access to a Zero Liability Protection program and purchase protection.|
Get 3 months of DashPass, a subscription service offered by DoorDash.
|APR||Purchase APR: 19.24% – 27.99% Variable;|
Balance Transfer APR: 19.24% – 27.99% Variable;
Cash Advance APR: 29.24% Variable.
|0% intro APR for 15 months from opening the account.|
After that, 19.24% – 27.99% variable APR.
Chase Freedom Flex℠ card
The Chase Freedom Flex℠ credit card offers powerful rewards to its cardholders. Also, it has no annual fee and rewards that range from 1% to 5% cash back. Moreover, this card offers its rewards through bonus categories that rotate each quarter. So, you need to have some experience understanding credit card cash back rewards. Also, you will need a credit score of at least 690 points to qualify for this card.
In addition, as a new cardholder, you can earn a welcome bonus of $200 after spending $500 on purchases in your first three months of account opening. Also, you can get a 0% intro APR for 15 months from account opening. Plus, the highest cashback reward has to be activated each quarter, and you can earn 5% cash back on up to $1,500 combining purchases. And you can earn 1% cash back on every other purchase you make with the card.
Moreover, you can get perks related to World Elite Mastercard, such as cell phone insurance, access to Mastercard Luxury Hotel and Resorts program, discounts at services like Lyft, Shoprunner, and others. Also, you can redeem rewards points for gift cards, Amazon purchases, and more!
You will be redirected to another website
Chase Freedom Unlimited® card
The Chase Freedom Unlimited® credit card is for those who love cash back rewards. This Chase card offers valuable rewards, such as 3% cash back on dining and drugstore purchases and 5% cash back on travel you book through Chase. Also, you can earn 1.5% cash back on any other purchase you make with the card.
Moreover, a great perk this card offers is that you can have other Chase cards and earn even more Chase Ultimate Rewards® points. However, this card might have complicated rewards for some because you will need a little effort to make the best out of this card’s rewards. Also, the welcome bonus is $200 after you spend $500 in the first three months.
In addition, this Chase card does not charge an annual fee, and your cash back rewards do not expire as long as you have your account. However, this might be a cash back card, but you actually earn your rewards as Chase Ultimate Rewards® points. Also, you can redeem your points for gift cards, travel you booked through Chase, and Amazon purchases.
Also, before you decide to apply for this Chase card, consider that you will need a credit score that ranges from 690 to 850 points. That is, you will need a good to excellent credit score to qualify for this card.
Benefits of Chase Freedom Flex℠
- This Chase card offers a high rewards rate that ranges from 1% to 5% cash back.
- There is no annual fee.
- You can earn a $200 welcome bonus after spending $500 on purchases in the first 3 months.
- You can get access to cell phone insurance, Hotel perks, and discounts in services like Lyft, Shoprunner, and more!
- There is a 0% intro APR period of 15 months.
Benefits of Chase Freedom Unlimited®
- This card does not charge an annual fee.
- Earn $200 as a welcome bonus after you spend $500 in the first 3 months.
- You can get a 0% intro APR for 15 months.
- This card has a high cash back rewards rate (1% to 5%).
Disadvantages of Chase Freedom Flex℠ card
- There is a foreign transaction fee of 3%.
- The rewards program can be a bit complicated for those who like rewards to be more straightforward.
- You will need a good to excellent credit score to qualify for this Chase credit card.
Disadvantages of Chase Freedom Unlimited® card
- Even though this is a valuable Chase card, you will need a credit score of at least 690 points (good) to qualify for it.
Chase Freedom Flex℠ or Chase Freedom Unlimited® card: which you should choose?
These two Chase cards offer very similar features. For example, you can get the same welcome bonus offer and similar cash back rewards. However, they have a few differences, such as the rotating 5% bonus categories offered by the Chase Freedom Flex℠ card.
Also, before you choose one of the cards, think about how much you spend. So, if you spend a lot of money on the rotating bonus categories offered by Chase Freedom Flex℠, you can work your way to make the best out of its rewards.
If you want to make the best out of a credit card’s cash back rewards, maybe the Chase Freedom Flex℠ card is for you. But if you are looking for a credit card with simple rewards, you might find it a bit difficult to keep up with the rewards program offered by this Chase credit card. However, if you want a credit card with good cash back rewards and that does not require too much effort to keep track of them, maybe the Chase Freedom Unlimited® is best for you.
The Chase Freedom Unlimited® card has less complicated rewards if you like simple rewards. And the Chase Freedom Flex℠ card has a more complicated rewards program, but you can get the best out of them if you want to make an effort. However, if you think you can keep track of having two credit cards, it can be a great choice to have both these Chase cards. With this, you will be able to maximize your Chase Ultimate Rewards® points!
If you want a different credit card option, you might like the Blue Cash Preferred Card from American Express. Even though it charges an annual fee, it offers cash back rewards of up to 6% on certain purchases. So, check out our post below with a full review to know more!
Blue Cash Preferred credit card full review
If you like cashback on everyday purchases, the Blue Cash Preferred credit card is for you. You can even get up to 6% back! Read our full review of this rewarding card!
Ameritrade Investing app full review
Do you need a good online broker for beginners? The Ameritrade Investing app can be your choice. Keep reading our full review to know more!Keep Reading
Webull Investing app full review
Are you a trader looking for an investment app? Maybe the Webull Investing app can be your choice. Read our full review of this app!Keep Reading
How to apply for the BankAmericard® Secured Credit Card?
See how easy it is to apply for a BankAmericard® Secured Credit Card and build or rebuild your credit score with convenience and confidence.Keep Reading
You may also like
How to buy cheap Avelo Airlines flights
Buy cheap Avelo Airlines flights, and save money on fares by checking out these tips to find economical fares from $29! Keep reading and learn more!Keep Reading
Visa vs. Mastercard: are they really different?
If you're thinking about which credit card to apply for, here's a comparison of the two most popular networks in the world: Visa vs. Mastercard. Check it out to see which one is for you!Keep Reading
Learn to apply easily for True American Loan
If you want a personal loan that considers all credit scores, get the scoop on how to apply for the True American Loan in this post. Keep reading!Keep Reading