Compare Chase Freedom Flex vs Unlimited: Which Is Best [2022]?

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Compare Chase Freedom Flex vs Unlimited, get to know features, reward points, joining fees, reward points, FICO credit score required and which is better in 2022.

The Chase Freedom flex and the Chase Freedom Unlimited have a lot in common like having zero annual fees. Also, with both you can enjoy bonus cash back while making purchases.

Still, the reward structures are a bit different, as you can get 5% cash back with chase freedom flex while using chase freedom unlimited can get you 1.5% cash back on everything.

There are other key features too, which create the differences between the two. With Mount Shine experts, let us try to understand each more clearly.

Chase Freedom Flex vs Unlimited: Overview 2022

Let us consider the following points to get an overview of Chase Freedom Flex vs Chase Freedom Unlimited credit cards:

  • Out of all the chase credit cards, chase freedom flex and chase unlimited with great rewards and superb credits makes it one of the best credit cards for its consumers.
  • When talking about credit card rewards, both cards offer cash back on travel purchases, drugstores and dining. Also, both will give a welcome bonus as well.
  • However, Chase Freedom Unlimited does not include rotating bonus categories and offers only 1.5% cash back on spending. With Chase Freedom Flex, you can earn up to $200 cash-back after you spend $500 for the first three months of opening your account.
  • The chase freedom Flex has the backing of MasterCard, whereas freedom unlimited is backed by the Visa network. Both cards have their perks like auto rental collision damage waiver, extended warranty, shopping discounts and more. While a Visa card offers a great discount on shopping, the Mastercard offers benefits like cell phone protection.
  • The fee structure is quite the same for both, as both chargers have zero annual fees and zero per cent APR for the first fifteen months, and after that, between 16.49% to 25.24% of APR. But with a 3% foreign transaction fee, both cards might not be a great option when travelling abroad.
  • Both the chase freedom flex vs unlimited are cash-back credit cards, and you can earn rewards and credits on everyday purchases. Depending upon your daily spending, you can choose your chase credit card that provides you with the desired benefits.

Compare Features Of Chase Freedom Flex vs Unlimited in 2022

To understand both more in detail, let us compare Chase Freedom flex vs Unlimited in terms of offers, rotating bonus categories, ongoing bonus categories and annual charges.

1. In Terms Of Offers For The Cardholder

2. In Terms Of The Rotating Bonus Categories

3. In Terms Of Ongoing Bonus Categories

4. In Terms Of Annual Fees

Compare Chase Freedom Flex vs Unlimited
Compare Chase Freedom Flex vs Unlimited

1. In Terms Of Offers For The Cardholder

Chase Freedom Flex offers you to earn up to a $200 bonus by spending $500 on purchases for the three months from account opening. With Chase Freedom Unlimited, you can earn 1.5% cash back on every purchase on spending $20,000 in the first year of using the card.

2. In Terms Of The Rotating Bonus Categories

Freedom Flex offers you 5% cash back on quarterly bonus categories up to spending $1,500 per quarter. Freedom Unlimited offers none of the rotating bonus categories.

3. In Terms Of Ongoing Bonus Categories

Freedom flex offers none, whereas, for Freedom Unlimited, you will get 5% cash back on travel purchases, 3% cashback on dining at restaurants and 3% cash back on drugstore purchases.

4. In Terms Of Annual Fees

There are no yearly fees with Chase Freedom Flex or Freedom Unlimited.

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Why Choose Chase Freedom Flex?

The Chase Freedom Flex suits best to those who want a simple cash back through their credit cards. Let us see its benefits, annual fees, rewards rate, foreign transaction fee and credit scores required to apply for the credit card.

Chase Freedom Flex
Chase Freedom Flex

Annual fee: There will be no annual charges 

Reward Rate: 1%- 5%

Foreign Transaction fee: 3% spending per Dollar 

Credit Score Required: 690-850

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Benefits of Chase Freedom Flex in 2022

Chase Freedom Flex vs Chase Unlimited
Chase Freedom Flex vs Chase Unlimited
  • Earn a bonus of $200 after spending $500 on purchases in the first three months from your account opening. 
  • Earn 5% cash back on spending up to $1,500 on purchases. 
  • Get 5% cash back on travel purchases. 
  • Enjoy 3% cash back on drugstore, dining and unlimited 1% cash back on all other purchases. 
  • Your cash-back rewards will not expire as long as you have opened your account with freedom flex. 
  • Get a benefit of 0% intro APR for the first fifteen months and after a variable APR of 16.49%- 25.24R%.
  • Also, you can monitor your credits with free access to your latest score and more.

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Why Choose Chase Freedom Unlimited?

Chase Freedom Unlimited is an ideal credit card for those who want to maximise rewards. Let us see its benefits, annual fees, rewards rate, foreign transaction fee and credit scores required to apply for the credit card.

Features Of Chase Freedom Flex vs Unlimited
Chase Freedom Unlimited

Annual fee: There will be no annual charges 

Reward Rate: 1.5% – 6.5% 

Foreign Transaction fee: 3% spending per Dollar Credit Score Required: 690-850

Benefits of Chase Freedom Unlimited in 2022

  • Earn 1.5% cash back (worth up to $300) on every purchase up to $20,000 in the first year of opening an account. 
  • In the first year of opening an account with Chase unlimited, you can earn 5% cash- back on travel purchases and 3% cash back while dining or buying from drugstores. 
  • Get a benefit of 0% intro APR for the first fifteen months and after a variable APR of 16.49%- 25.24R%. 
  • The cashback rewards will not expire as long as you have opened your account with freedom unlimited. 
  • With Cash freedom unlimited, you can monitor your credits with free access to your latest score and more.

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Making The Decision: Chase Freedom Flex vs Unlimited 2022

Chase Freedom Flex vs Unlimited-benefits
Chase Freedom Flex vs Unlimited – Benefits

The Chase Freedom Flex and The Chase Freedom Unlimited suit everyone who likes to receive cash back rewards and generous bonuses. Both charge no annual fee, which is a perk for cardholders.

Chase Freedom® and Chase Freedom Flex℠ bonus rewards categories for 2022 
Q1 (Jan. 1-March 31)• Grocery stores. • eBay.
Q2 (April 1-June 30)• Amazon.com. • Select streaming services.
Q3 (July 1–Sept. 30)• Gas stations. • Car rentals. • Movie theaters. • Select live entertainment.
Q4 (Oct. 1–Dec. 31)• TBA In 2021: Walmart, PayPal.

Flex and Unlimited Credit cards are one the best choices for consumers as they offer you excellent cash back rewards on travel purchases, drugstore purchases, dining at restaurants, a 3% foreign transaction fee and much more.

However, with rotating reward categories and the cash back you receive on everyday purchases, Freedom Flex wins as it offers 5% cash back on up to $1,500 and 1% cash back on all the other spending. Freedom unlimited does not have rotating bonus categories but offers 1.5% cash back on every purchase. With the benefit of cell protection, flex one step ahead.

So, if you want to maximise rewards, we should suggest going for Chase Freedom Unlimited, and if you want to earn cash-back on every spending, then Chase Freedom Flex is a better option.

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