

Chase Freedom Unlimited vs.
Flex
THE WINNER
Chase Freedom Unlimited® is the winner over Chase Freedom Flex because it’s likely to save most people more money with its higher base rewards rate. The difference is that Freedom Unlimited gives 1.5% back on most purchases, while Freedom Flex gives 5% back in rotating categories and 1% on most other purchases. Both cards are similar in most other ways, including their WalletHub Ratings.
Tips for Choosing Between Chase Freedom Unlimited and Chase Freedom Flex
- Chase Freedom Unlimited is better for everyday use, offering at least 1.5% cash back on purchases.
- Chase Freedom Flex is good for people who want the chance to earn up to 5% back and don’t mind activating new bonus categories each quarter.
- Chase Freedom Flex comes with a cell phone protection plan, whereas Chase Freedom Unlimited does not.
- Each card gives 5% back on travel booked through Chase Travel as well as 3% back on drugstore and restaurant purchases.
- Neither Chase Freedom Unlimited nor Chase Freedom Flex charges an annual fee, and both cards offer low introductory APRs on purchases and balance transfers.
Chase Freedom Unlimited vs. Chase Freedom Flex: Key Characteristics
Chase Freedom Unlimited vs. Chase Freedom Flex: Rewards
Chase Freedom Unlimited vs. Chase Freedom Flex: Benefits
Chase Freedom Unlimited vs. Chase Freedom Flex: Additional Info
Chase Freedom Unlimited vs. Chase Freedom Flex: Ratings / Reviews
How to Switch from Chase Freedom Flex to Chase Freedom Unlimited
Should You Get Both Chase Freedom Flex and Chase Freedom Unlimited?
Still not sure?
0% for 12 months from account opening
0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)
18.49%, 24.49%, or 28.49% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Excellent Credit, Good Credit
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Additional Info
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
0% for 12 months
0% for 12 months|Transfer Fee: 3% (min $5)
19.49% - 28.49% (V)
annual fee
$0 intro 1st yr, $95 after
rewards rate
1 - 6% Cash Back
Bonus Offer
As High As $300 Cash Back. Find Out Your Offer.
Bonus Offer
As High As $300 Cash Back. Find Out Your Offer.
Excellent Credit, Good Credit
Pros
- Great initial bonus offer
- Low intro APR on purchases and balance transfers
- High rewards rate
Cons
- Annual fee starting second year
- Above-average regular APR
- Foreign transaction fee
Rewards Details
- Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
Additional Info
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Questions & Answers
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