Head to head 
Chase Freedom Flex vs. Chase Freedom Unlimited
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Chase Freedom Flex
Chase
Chase Freedom Unlimited
Chase
At a glance
Chase Freedom Flex and Chase Freedom Unlimited split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Who wins what
0 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 5×
- 5×
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- Chase Travel, Dining, Drugstores
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Chase Ultimate Rewards
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.