Card comparison

Chase Freedom Unlimited vs Chase Freedom Flex

Two Ultimate Rewards cards compared

Verified July 2026

TL;DR — quick verdict

Both the Chase Freedom Unlimited and Chase Freedom Flex carry a $0 annual fee. Pick the Chase Freedom Unlimited for everyday travel through Chase Travel spending (5x); pick the Chase Freedom Flex for everyday travel spending (5x).

At a Glance

Chase Freedom Unlimited

Annual Fee
$0
Signup Bonus
20,000 points
Network
Visa
Points Currency
Ultimate Rewards
Earning Rates
Dining 3x
Drugstore 3x
Other Purchases 1.5x
Travel Through Chase Travel 5x

Chase Freedom Flex

Annual Fee
$0
Signup Bonus
20,000 points
Network
Mastercard
Points Currency
Ultimate Rewards
Earning Rates
Dining 3x
Travel 5x
Drugstores 3x
All Other Purchases 1x
Rotating Quarterly Categories 5x

Category Breakdown

How they compare across key categories

=

Annual Fee

Tie

Chase Freedom Unlimited $0 vs Chase Freedom Flex $0

=

Welcome Bonus

Tie

Chase Freedom Unlimited: 20,000 points after $500 in 3 months vs Chase Freedom Flex: 20,000 points after $500 in 3 months

=

Top Earning Rate

Tie

Chase Freedom Unlimited: 5x on travel through Chase Travel vs Chase Freedom Flex: 5x on travel

=

Perks & Credits

Tie

Chase Freedom Unlimited: 2 listed benefits vs Chase Freedom Flex: 2 listed benefits

=

Transfer Partners

Tie

Chase 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

  • 0% Intro APR
  • Purchase Protection ($500)

Chase Freedom Flex

  • DashPass membership
  • 0% intro APR

Which Is Right for You?

Get the Chase Freedom Unlimited if...

  • Earns 5x on travel through Chase Travel
  • Earns 3x on dining
  • 0% Intro APR

Get the Chase Freedom Flex if...

  • Earns 5x on travel
  • Earns 5x on rotating quarterly categories
  • DashPass membership

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

Search Award Flights

Find available seats

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 through Chase 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 through Chase 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 flights

Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.