Chase Freedom Flex® vs Chase Freedom Unlimited®

Chase Freedom Flex®Chase Freedom Flex®

Chase

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Chase Freedom Unlimited®Chase Freedom Unlimited®

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Chase Ultimate Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1.5x
Welcome Bonus
20,000 Chase Ultimate Rewards after $500 in 90 days
25,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryChase Freedom Flex®Chase Freedom Unlimited®
Card Travel Portals5.00%
5x
5.00%
5x
Groceries5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Charity & Donations5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Dining & Restaurants3.00%
3x
3.00%
3x
Drugstores & Pharmacies3.00%
3x
3.00%
3x
Everything else1.00%
1x
1.50%
1.5x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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