Card comparison · Chase
Chase Freedom Unlimited vs Chase Freedom Flex
The Chase Freedom Unlimited ($0 annual fee) ranks #111 and the Chase Freedom Flex ($0) ranks #33 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Chase Freedom Unlimited | Chase Freedom Flex | |
|---|---|---|
| Issuer | Chase | Chase |
| Annual fee | $0 | $0 |
| Welcome offer | Earn a $200 bonus after you spend $500 on purchases in the first 3 months | Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening |
| Rewards |
|
|
| Intro APR | purchases 15 months · balance transfers 15 months | purchases 15 months · balance transfers 15 months |
| Ongoing APR | 18.49%-27.99% | 18.49%-27.99% |
| Balance transfer fee | 3% intro (60 days), then 5% | 3% intro (60 days), then 5% |
| Foreign transaction fee | None | — |
| Our overall score | 54 (#111 of 294) | 62 (#33 of 294) |
| Cash back ranking | #4 of 70 | #32 of 70 |
| Dining ranking | #26 of 67 | #18 of 67 |
| 0% intro APR ranking | #21 of 46 | not in this list |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Chase Freedom Flex (62 vs 54). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Same annual fee: $0 on both.
- Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #32 of 70).
- Dining: Chase Freedom Flex ranks higher in our dining ranking (#18 vs #26 of 67).
- 0% intro APR: only Chase Freedom Unlimited is in our 0% intro APR ranking (#21 of 46).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Chase Freedom Unlimited better than the Chase Freedom Flex?
By our overall score the Chase Freedom Flex ranks higher (62 vs 54), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Chase Freedom Unlimited or Chase Freedom Flex?
Both list $0.
What are the welcome offers on the Chase Freedom Unlimited and Chase Freedom Flex?
Chase Freedom Unlimited: Earn a $200 bonus after you spend $500 on purchases in the first 3 months. Chase Freedom Flex: Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #32 of 70). Dining: Chase Freedom Flex ranks higher in our dining ranking (#18 vs #26 of 67). 0% intro APR: only Chase Freedom Unlimited is in our 0% intro APR ranking (#21 of 46).