Chase Freedom Unlimited vs. Chase Freedom Flex℠: Which Is Best for You?

If you’re looking for a credit card with robust rewards and a solid welcome bonus, you may benefit from either the Chase Freedom Unlimited or Chase Freedom Flex℠. In this guide, MoneyGeek compared both cards to help you choose the best option.

Advertising & Editorial DisclosureLast Updated: 11/6/2022
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Last Updated: 11/6/2022

With Chase Freedom Unlimited or Chase Freedom Flex℠, you’ll get a $200 welcome bonus on spending $500 within the first three months of account opening. Both cards also have no annual fee and offer valuable rewards.

The Chase Freedom Unlimited vs Chase Freedom Flex℠ comparison shows that while both cards are pretty similar in many aspects like the welcome bonus, annual fees and the intro APR offer — there is a key difference in their rewards structures. MoneyGeek’s comparison will help you understand the difference between both cards so you can choose the option which fits your needs.

Comparison Overview: Chase Freedom Unlimited vs. Chase Freedom Flex℠

  • Chase Freedom Unlimited
    Chase Freedom Flex℠
  • Has Annual Fee
  • Has Balance Transfer Offer
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  • Has APR Offer
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  • Cash Back Rewards
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  • Travel Rewards

Chase Freedom Unlimited At a Glance

With the Chase Freedom Unlimited card — you’ll get a 5% cash back on gas station purchases up to $6,000 in the first year, 3% cash back on drugstores and restaurant purchases, 5% cash back on travel purchases through Chase Ultimate Rewards and 1.5% cash back on all other purchases. This card also offers a 0% intro APR for the first 15 months after account opening.


  • Chase Freedom Unlimited

    An excellent no-annual-fee card that lets you earn unlimited cash back


    • ExcellentRecommended Credit
    • $0Annual Fee
    • 1.5–5% Cash BackRewards Rate
    • 3xRewards Rate on Dining
    • 5xRewards Rate on Air Travel

    Terms, rates and fees apply

    Compare this credit card with other cards with lower interest rates.

Chase Freedom Flex℠ At a Glance

The Chase Freedom Flex℠ Card offers you a welcome bonus of $200 after you spend $500 within three months of account opening. The unique feature of the rewards program of this card is that you can get a 5% cashback up to $1,500 in purchases on rotating bonus categories in every quarter — only if you activate it. The rewards you earn with this card do not expire as long as your account stays open.


  • Chase Freedom Flex℠

    An easy-to-use cash back card with quarterly rotating bonus categories


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on Air Travel
    • 3xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek analyzed the difference between Chase Freedom Unlimited and Chase Freedom Flex℠ to help you decide which card would be the best fit for your needs.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    Both the Chase Freedom Unlimited and Chase Freedom Flex℠ offer reimbursement up to $1,500 per person and $6,000 per trip in case your travel plans get canceled due to sickness or other covered conditions. These cards also offer purchase protection against theft or damage up to $500 per claim and $50,000 per accident for 120 days after a new purchase.

    However, Chase Freedom Flex℠ also offers cell phone protection for theft or damage up to $800 per claim and $1,000 per year.

    Winner: Chase Freedom Flex℠

  • Rewards

    While both cards offer a 5% cash back on gas station purchases up to $6,000 in the first year, 3% cash back on drugstores and restaurants purchases, 5% cash back on travel purchases through Chase Ultimate Rewards — Chase Freedom Flex℠ offers a 5% cash back on making purchases in rotating categories in each quarter you activate.

    The Chase Freedom Unlimited card offers a 1.5% cash back on all other purchases while the Chase Freedom Flex℠ offers a 1% cash back.

    Winner: Chase Freedom Flex℠

  • Annual Fee

    Both Chase Freedom Unlimited and Chase Freedom Flex℠ charge a $0 annual fee. However, since Chase Freedom Flex℠ offers a welcome bonus worth $200 and a 5% cash back in rotating bonus categories, it’s the better option.

    Winner: Chase Freedom Flex℠

Which Card Should You Get?

Before choosing a card, you should consider your needs first. MoneyGeek analyzed below whether you should get the Chase Freedom Unlimited or the Chase Freedom Flex℠ card.

Who Should Consider the Chase Freedom Unlimited?

People who are looking for an all-purpose credit card with a simple rewards structure would benefit the most from the Chase Freedom Unlimited card.

Who Should Consider the Chase Freedom Flex℠?

If you’re looking for a credit card with a high rewards rate across many different categories, the Chase Freedom Flex℠ card may be the best option for you.

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EXPERT OPINION

The choice on this one is simple. If you can take advantage of the rotating 5% categories and own an expensive smartphone like an iPhone, the Chase Freedom Flex℠ is the better of the two options. If you don’t find value in the 5% cash back categories or the cell phone insurance, the Chase Freedom Unlimited will suffice. But overall, both cards are nearly identical and can benefit a large amount of consumers.

Other Helpful Decision-Making FAQs

MoneyGeek researched the following frequently asked questions to help you understand the difference between the Chase Freedom Unlimited and Chase Freedom Flex℠ and make the best decision for you.

Still Not Sure About These Cards? Consider These Options

MoneyGeek compared the Chase Freedom Unlimited and the Chase Freedom Flex℠ to help you make a better decision. However, if you’re still having difficulty choosing — you can look over the best rewards credit cards to see if one of the other options would be a better fit.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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