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Chase Freedom Flex℠ or Chase Freedom Unlimited® card: find the best choice!

Which Chase Freedom credit card should you get? The Chase Freedom Flex℠ or the Chase Freedom Unlimited®? Both cards have pros and cons, so it can be tough to decide. Let's take a closer look and see what might work best for you.

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by Aline Barbosa

Published on 03/31/2022

Chase Freedom Flex℠  or Chase Freedom Unlimited®?

chase flex and freedom cards
Which card is better? Source: Stealth Capitalist.

The Chase Freedom Flex℠ or Chase Freedom Unlimited® are two powerhouses offered by Chase. Both are best-selling cash back cards with a $0 annual fee and a welcoming 0% intro APR for 15 billing cycles on balance transfers and purchases. Their sign-up bonuses are considered two of the best welcome rewards in the market.

But which Chase Freedom credit card is right for you? Chase Freedom Flex℠ or Chase Freedom Unlimited®? Both are great options, but they have a few different features that may make one better for you than the other.

In this article, we’ll break them down so you can see which one is the best fit for your needs. So read on if you want to learn more!

Chase Freedom Unlimited® cards

How to apply for Chase Freedom Unlimited® Card?

Check the easy and fast application for the Chase Freedom Unlimited® Credit Card and start earning today!

Chase Freedom Flex℠ card

How to apply for a Chase Freedom Flex℠ Credit Card

Follow this easy step-by-step guide and apply for your Chase Freedom Flex℠ in minutes!

Chase Freedom Flex℠  cardChase Freedom Unlimited® card
Sign-up bonus$200 after spending $500 on purchases within 90 days of account openingAdditional 1.5% cash back on every purchase (on up to $20,000 spent in the first year)
Annual fee$0$0
Rewards5% cash back on 2 fixed bonus categories;
5% cash back on travel booked through Chase Ultimate Rewards;
3% cash back on dining and drug stores;
1% cash back on all other purchases.
5% cash back on travel purchased through Chase Ultimate Rewards;
3% cash back on dining and takeout;
3% back on drugstore;
1.5% cash back on all other purchases.
Other perks0% intro APRFlexible Redemptions
APR14.99% – 23.74% (variable)14.99% – 23.74% (variable)

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Chase Freedom Flex℠  

Chase Freedom Flex℠ card
Chase Freedom Flex℠. Source: Stealth Capitalist.

The Chase Freedom Flex℠ credit card is one of Chase’s top cash back products. With it, you can earn up to 5% back in bonus categories that change every quarter. There’s also 5% in travels booked by Chase Ultimate Rewards. You can also get 3% on dining and drug store purchases and a flat 1% rate on everything else.

Its excellent sign-up rewards gift all new cardholders with a $200 bonus after spending $500 within 90 days of card membership. If you don’t mind cash back tracking and rotating categories, you can maximize your earning potential by prioritizing this card on your everyday spending. 

As for redemption options, all Chase Freedom Flex℠ clients can choose between direct cash deposit into a checking or savings account, statement credit, or gift cards. Earned bonuses never expire as long as the account is open. 

One of this card’s top perks is that it charges no annual fee, and there’s an introductory APR of 0% for 15 billing cycles on all balance transfers and purchases. The downside is that you need a credit score between 690 and 850 to become eligible for an application.  

Since the Freedom Flex is a World Elite Mastercard product, you also get exclusive Mastercard benefits such as discounts and cell phone insurance. The Mastercard Luxury Hotel and Resorts program will also be of great use if you’re a frequent traveler.

See below for some of this card’s pros and cons:

Benefits

  • 5% cash back in 2 rotating categories quarterly;
  • $0 annual fee;
  • Pleasant sign-up bonus;
  • 0% intro APR;

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Cons

  • Incites extra spending to maximize 5% categories;
  • Requires good/excellent credit scores;
  • Needs to track and activate top-earning cash back categories.

Chase Freedom Unlimited® 

Chase Freedom Unlimited® card
Chase Freedom Unlimited®. Source: Stealth Capitalist.

The Chase Freedom Unlimited® credit card is one of the most popular cash back products in the market, and for a good reason. If you’re looking for a no-fuss credit card with a simple rewards structure, you’ll have a hard time finding a better one.

There is no annual fee and a lengthy introductory APR of 15 billing cycles for balance transfers. For new cardholders, Chase offers an extra 1.5% cash back on every eligible purchase up to $20.000 during the first year of membership.

Its international Visa coverage makes this product widely accepted domestically and overseas, and you can get 5% cash back on all travel bookings made with the Chase Ultimate Rewards program. 

You’ll also get 3% cash back on dining and take-out, 3% on drug stores, and a flat unlimited 1.5% return on any other purchase. There’s no need to worry about spending caps or rotating bonus categories. Making this card a top-wallet preference for everyday shopping will earn you tons of bonuses in the long run. 

As for redeeming options, you can exchange all cash back acquired for statement credit, direct deposit into a bank account, gift cards, travel-related expenses, and Amazon discounts on items bought through Chase’s Ultimate Rewards program. 

The one drawback to Chase’s Freedom card is that it only accepts applications from customers with a credit score between good and excellent. Check below some of this card’s advantages and cons:

Benefits

  • 1.5% added cash back up to $20.000 as a sign-up bonus;
  • $0 annual fee;
  • 0% intro APR;
  • 1.5% flat-rate cash back in all purchases;

Cons

  • Requires a credit score between 690 and 850 to apply.

Chase Freedom Flex℠  or Chase Freedom Unlimited® card: still not sure which is the best card option for you?

Now that you have all the info about both cards, you can make a well-informed decision and choose between Chase Freedom Flex℠ or Chase Freedom Unlimited®.

Even though they are great credit cards with many attractive benefits, the choice comes down primarily to your spending habits. If you spend enough money on the Freedom Flex’s rotating categories and don’t mind tracking and activating them, you can earn a lot of cash back.

But if you’d prefer a cash back card that will reward you plenty and doesn’t require tracking bonus points, Freedom Unlimited might suit you best. With it, you’ll get a flat 1.5% rate no matter where you spend your money. That means less maintenance and less fuss. 

Ultimately, it’s your choice. But whichever option you pick between Chase Freedom Flex℠ or Chase Freedom Unlimited®, you will get top-tier cash back credit card either way. 

However, if you’re looking for a third option before making a final decision, we can help. The U.S. Bank Cash+™ Visa Signature® credit card also fits in the cash back category and provides a 5% rate in rotating categories. If you want to learn more about it, check out how to apply for it at the link below!

U.S. Bank Cash+™ Visa Signature® card

How to apply for U.S. Bank Cash+™ Card?

See the application process for the U.S. Bank Cash+™ Visa Signature® Credit Card and request yours today!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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