{"id":39132,"date":"2023-09-17T19:00:34","date_gmt":"2023-09-17T19:00:34","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/09\/17\/chase-freedom-flex-vs-chase-freedom-unlimited-comparison-rotating-categories-or-flat-cash-back-the-points-guy\/"},"modified":"2023-09-17T19:00:34","modified_gmt":"2023-09-17T19:00:34","slug":"chase-freedom-flex-vs-chase-freedom-unlimited-comparison-rotating-categories-or-flat-cash-back-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/09\/17\/chase-freedom-flex-vs-chase-freedom-unlimited-comparison-rotating-categories-or-flat-cash-back-the-points-guy\/","title":{"rendered":"Chase Freedom Flex vs. Chase Freedom Unlimited comparison: Rotating categories or flat cash back? – The Points Guy"},"content":{"rendered":"


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Chase’s array of personal credit card products ranges from the ultra-premium Chase Sapphire Reserve<\/a> to the “cash back” Chase Freedom Flex<\/a><\/span> and Chase Freedom Unlimited<\/a> cards, which don’t charge annual fees. With so many options, picking the right card can be difficult if you aren’t sure what you want.<\/p>\n

Thanks to Chase’s 5\/24 rule<\/a> (which means that you could automatically be rejected for most Chase cards if you’ve opened five or more cards in the last 24 months), it’s important to have a clear strategy about which Chase cards you want to add to your wallet.<\/p>\n

Today, we’re looking at two of Chase’s no-annual-fee credit cards<\/a> \u2014 the Chase Freedom Flex<\/a><\/span> and Chase Freedom Unlimited<\/a>. By themselves, both earn points that can only be redeemed as cash back at 1 cent per point. However, you can pair either card with a more premium Chase Ultimate Rewards card<\/a>, such as the Chase Sapphire Preferred Card<\/a>, to turn those points into full-fledged Ultimate Rewards points<\/a>. Then, you can redeem the points through the Chase Ultimate Rewards travel portal<\/a> or by transferring them to partners<\/a>.<\/p>\n

Let’s review each card’s details to see which makes more sense for you.<\/p>\n

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Chase Freedom Flex vs. Chase Freedom Unlimited comparison<\/h2>\n
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Card<\/strong><\/th>\nChase Freedom Flex<\/strong><\/th>\nChase Freedom Unlimited<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Annual fee<\/strong><\/td>\nNone<\/td>\nNone<\/td>\n<\/tr>\n
Sign-up bonus<\/strong><\/td>\nEarn $200 cash back after you spend $500 on purchases in the first three months from account opening<\/td>\nEarn an additional 1.5% on all purchases up to $20,000 spent in the first year. That’s a value of up to $300 cash back.<\/td>\n<\/tr>\n
Earning rate<\/strong><\/td>\n5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate<\/p>\n

5% cash on travel booked through Chase Ultimate Rewards<\/p>\n

3% cash back on dining (including takeout & eligible delivery services)<\/p>\n

3% cash back at drugstores<\/p>\n

1% cash back on all non-category bonus purchases<\/p>\n<\/td>\n

5% cash on travel booked through Chase Ultimate Rewards<\/p>\n

3% cash back on dining (including takeout & eligible delivery services)<\/p>\n

3% cash back at drugstores<\/p>\n

1.5% cash back on all non-category bonus purchases<\/p>\n<\/td>\n<\/tr>\n

Benefits<\/strong><\/td>\nTrip cancellation\/interruption insurance<\/p>\n

Primary auto rental collision damage waiver<\/p>\n

Extended warranty protection<\/p>\n

Travel and emergency and assistance services<\/p>\n

Purchase protection<\/p>\n

Cellphone protection<\/p>\n<\/td>\n

Trip cancellation\/interruption insurance<\/p>\n

Primary auto rental collision damage waiver<\/p>\n

Extended warranty protection<\/p>\n

Travel and emergency and assistance services<\/p>\n

Purchase protection<\/p>\n<\/td>\n<\/tr>\n

Redemption options<\/strong><\/td>\nRedeem points as cash back, or transfer them<\/a> to Ultimate Rewards points if you also hold a premium Chase card<\/td>\nRedeem points as cash back, or transfer them to Ultimate Rewards points if you also hold a premium Chase card<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

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Chase Freedom Flex vs. Chase Freedom Unlimited welcome bonus<\/h2>\n

The Freedom Flex<\/a><\/span> offers a sign-up bonus of $200 cash back after spending $500 on purchases in the first three months from account opening. At face value, this bonus is worth $200; however, if you also hold a premium Chase card and transfer your points, they can be worth $410, according to TPG’s valuations<\/a>.<\/p>\n

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