Comparison

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!

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by Victória Lourenço

Published on 11/13/2021

Chase Freedom Flex℠  or Chase Freedom Unlimited®: card comparison

Which one is best for you: Chase Freedom Flex℠ or Chase Freedom Unlimited®? Source: Chase.
Which one is best for you: Chase Freedom Flex℠ or Chase Freedom Unlimited®? Source: Chase.

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.
*Terms apply.
After you spend $500 on purchases in your first 3 months, you will earn a $200 welcome bonus.
*Terms apply.
Annual fee$0.$0.
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.

*Terms apply.
5% on travel you purchase through Chase Ultimate Rewards®.

3% on dining and drugstore spendings.

1.5% on any other purchase.

*Terms apply.
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!

*Terms apply.
Get access to a Zero Liability Protection program and purchase protection.

Get 3 months of DashPass, a subscription service offered by DoorDash.

*Terms apply.
APR14.99% to 23.74% variable APR, based on your creditworthiness.14.99% to 23.74% variable APR, depending on your creditworthiness.

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Chase Freedom Flex℠  card

The Chase Freedom Flex℠ credit card offers valuable cash back rewards! Source: Chase.
The Chase Freedom Flex℠ credit card offers valuable cash back rewards! Source: Chase.

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!

Chase Freedom Unlimited® card

Learn more about the Chase Freedom Unlimited® credit card! Source: Chase.
Learn more about the Chase Freedom Unlimited® credit card! Source: Chase.

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.

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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%).

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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!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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