Compare credit cards

Overlaid axes for welcome bonus, annual fee, rewards rate, perks and simplicity — a quick read on where each card is strongest.

Read our full Chase Freedom Unlimited vs Chase Freedom Flex comparison — real cost, lounges and who should pick which →

Side-by-side specs for the selected cards.
Spec	Chase Freedom Unlimited	Chase Freedom Flex
Annual fee	$0	$0
Welcome bonus	20,000 pts · ~$200	25,000 pts · ~$250
Min spend	$500 / 3 mo	$500 / 3 mo
Foreign txn fee	3%	3%
How it earns (issuer terms)	5% travel booked through Chase Travel 3% dining 3% drugstores 1.5% everything else	5% rotating quarterly categories (up to $1,500/quarter, activation required) 5% travel booked through Chase Travel 3% dining 3% drugstores 1% everything else
Key perks	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
Lounge access	—	—
Network	Visa	Mastercard
Welcome bonus score	17	21
Low fee score	100	100
Rewards rate score	22	22
Perks score	63	63
Simplicity score	80	80

Chase Freedom Unlimited
Chase Freedom Flex

How the scores work: a quick visual, not a verdict. Welcome bonus = the bonus’s value at our point valuations ($1,200+ scores 100). Low fee = $0 scores 100, $695+ scores 0. Rewards rate = the card’s highest multiplier when you pay merchants directly (portal rates aren’t counted), 1x = 0 to 10x = 100. Perks = how many headline perks we list. Simplicity = fewer bonus categories scores higher. The table above is what to decide on.