Chase Freedom Unlimited vs Chase Freedom Flex
Two Ultimate Rewards cards compared
Verified October 2026
Both the Chase Freedom Unlimited and Chase Freedom Flex carry a $0 annual fee. Pick the Chase Freedom Unlimited for everyday travel spending (5x); pick the Chase Freedom Flex for everyday travel spending (5x).
At a Glance
Chase Freedom Unlimited
- Annual Fee
- $0
- Signup Bonus
- 200 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Dining 3xTravel 5xDrugstores 3xOther Purchases 1.5x
Chase Freedom Flex
- Annual Fee
- $0
- Signup Bonus
- 25,000 points
- Network
- Mastercard
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 2xDining 3xTravel 5xDrugstores 3xAll Other Purchases 1xRotating Categories 5x
Category Breakdown
How they compare across key categories
Annual Fee
TieChase Freedom Unlimited $0 vs Chase Freedom Flex $0
Welcome Bonus
Chase Freedom Flex winsChase Freedom Unlimited: 200 points after $500 in 3 months vs Chase Freedom Flex: 25,000 points after $500 in 3 months
Top Earning Rate
TieChase Freedom Unlimited: 5x on travel vs Chase Freedom Flex: 5x on travel
Perks & Credits
Chase Freedom Flex winsChase Freedom Unlimited: 3 listed benefits vs Chase Freedom Flex: 5 listed benefits
Transfer Partners
TieChase Freedom Unlimited: Transfer-eligible when paired with a Sapphire or Ink card vs Chase Freedom Flex: Transfer-eligible when paired with a Sapphire or Ink card
Perks & Benefits
Chase Freedom Unlimited
- DashPass Membership ($0)
- Cash Back Rewards ($0)
- Travel Cancellation Insurance ($1500)
Chase Freedom Flex
- DoorDash DashPass
- DoorDash quarterly credit ($40)
- Points Boost
- No foreign transaction fees
- 0% Intro APR
Which Is Right for You?
Get the Chase Freedom Unlimited if...
- Earns 5x on travel
- Earns 3x on dining
- DashPass Membership ($0)
Get the Chase Freedom Flex if...
- Earns 5x on travel
- Earns 5x on rotating categories
- DoorDash DashPass
Frequently Asked Questions
Is the Chase Freedom Unlimited or Chase Freedom Flex better?
Both the Chase Freedom Unlimited and Chase Freedom Flex carry a $0 annual fee. Pick the Chase Freedom Unlimited for everyday travel spending (5x); pick the Chase Freedom Flex for everyday travel spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Chase Freedom Unlimited or Chase Freedom Flex?
Both cards have a $0 annual fee.
Which card earns points faster?
The Chase Freedom Unlimited earns up to 5x on travel, while the Chase Freedom Flex earns up to 5x on travel.
Can I have both the Chase Freedom Unlimited and the Chase Freedom Flex?
Yes, but mind Chase's 5/24 rule — Chase generally won't approve you for either card if you've opened five or more cards across all issuers in the past 24 months.
Ready to use your points?
Search award flight availability across all partner airlines in one place.
Search award flightsNeed More Points?
Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.