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Chase Freedom Unlimited vs Chase Freedom Flex
The short answer
- Both cards have the same annual fee ($0).
- At our point valuations the Chase Freedom Unlimited earns more on groceries, travel, gas, everything else.
- The Chase Freedom Flex has the bigger welcome offer: about $250 in value vs $200 for the Chase Freedom Unlimited.
Side by side
| Chase Freedom Unlimited | Chase Freedom Flex |
|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 20,000 after $500 in 3 months (≈ $200) | 25,000 after $500 in 3 months (≈ $250) |
| Earns on dining | 3x (≈ 3%) | 3x (≈ 3%) |
| Earns on groceries | 1.5x (≈ 1.5%) | 1x (≈ 1%) |
| Earns on travel | 1.5x (≈ 1.5%) | 1x (≈ 1%) |
| Earns on gas | 1.5x (≈ 1.5%) | 1x (≈ 1%) |
| Earns on everything else | 1.5x (≈ 1.5%) | 1x (≈ 1%) |
| Rewards | Chase Ultimate Rewards | Chase Ultimate Rewards |
| Network | Visa | Mastercard |
| KritScore | 69 | 71 |
| Highlights | No annual fee · 1.5% back on everything · 3% dining and drugstores · Points transfer with a Sapphire card · 0% intro APR for 15 months | No annual fee · 5% rotating quarterly categories · No foreign transaction fees (new) · Points transfer with a Sapphire card · 0% intro APR for 15 months |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Chase Freedom Unlimited better than the Chase Freedom Flex?
Both cards have the same annual fee ($0). At our point valuations the Chase Freedom Unlimited earns more on groceries, travel, gas, everything else. The Chase Freedom Flex has the bigger welcome offer: about $250 in value vs $200 for the Chase Freedom Unlimited.
What is the annual fee on the Chase Freedom Unlimited and the Chase Freedom Flex?
The Chase Freedom Unlimited: no annual fee. The Chase Freedom Flex: no annual fee.
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