Chase Freedom Unlimited vs. Freedom Flex [Which Is The One For You?]

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Don’t you love going out to dinner knowing your meal will be covered by all the points you’ve collected on your credit card? And what could be better than getting cash back on every purchase?

If you’re like most people, you want a credit card that will give you the best rewards for your spending. Maybe you’re looking for a card with no annual fee or one with low-interest rates. With so many cards out there, it can be hard to know which one is right for you.

One of THE most popular credit card companies is Chase and for good reason. They have some of the best rewards programs around. In fact, two of their most popular cards are Chase Freedom Unlimited and Freedom Flex.

Now, while both of these cards offer great rewards, there are some key differences between them. So, which one is better for you?

In this article, we’ll break down the key features of each card and help you decide which one is right for you. Let’s dive in.

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Chase Freedom Flex

Let’s start with the Chase Freedom Flex. With this card, you’ll earn 5% cash back on travel purchased through Chase, 3% cash back on dining and drugstores, and 1% cash back on all other purchases. Talk about a flexible rewards program!

On top of all of that, there is no annual fee for this card and you’ll get a welcome bonus of $200 after spending $500 in the first 3 months. You’ll also enjoy a 0% intro APR for the first 15 months (then a variable APR of 17.24% – 25.99%).

Lastly, there are no foreign transaction fees, so you can use your card when you travel abroad without having to worry about extra fees.

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Chase Freedom Unlimited

Now, let’s take a look at Chase Freedom Unlimited. With this card, you’ll earn 5% cash back on travel purchased through Chase, 3% cash back on dining and drugstores, and 1.5% cash back on all other purchases bought in the first year as a cardholder on up to $20,000 in spending – that’s worth up to $300 cashback in the first year.

Also, just like the Chase Freedom Flex, there is no annual fee for this card and you’ll also enjoy a 0% intro APR for the first 15 months (then a variable APR of 17.24% – 25.99%).

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Chase Freedom Unlimited Vs Flex: Which should you choose?

It all depends on your spending habits and how much time you’re willing to spend to manage your rewards when it comes to picking between these cards.

How’s your spending: Are you someone who spends a lot of money in the different categories that the Chase Freedom Flex card offers bonuses for? If so, the 5% bonus you get for using the card can be really helpful. But if you are not sure how to spend your money, the Chase Freedom Unlimited card may be a better choice for you in the long run.

Intricacy: This card is a great option if you don’t want to keep track of bonus categories or opt into any special offers. However, Freedom Flex insists that you activate and track quarterly bonus categories, and your rate for rewards will be reduced to 1% once you reach the $1,500 limit for each quarter.

If you’re looking for good value without all the fuss, the Chase Freedom Unlimited card is a great option.

Looking for the best value with minimal hassle?

Go with the Chase Freedom Card

The Chase Freedom Unlimited card is more straightforward and beneficial to those who want to stay on budget. You won’t need to worry about spending money in specific categories to get good rewards–this card offers a flat-rate cash-back system that has easy predictability.

For example, if Chase Freedom Flex is providing 5% back on purchases at Walmart.com, you might be inclined to change what you spend your money on, and shop there more frequently — even if it means spending more — to take advantage of the rewards.

Low-maintenance. With Freedom Unlimited, you won’t have to initiate categories every single quarter. In other words, this card allows you to gain rich rewards while doing less work. You also don’t need to spend time looking up spending categories online while you’re in the middle of making a purchase.

Compliments other cards nicely. This card is a complimentary card to many reward-heavy cards you might have, such as store cards.

Would you like to spend a bit more time in order to receive greater rewards?

The Freedom Flex is perfect for you!

If you want to get the most out of every purchase, the Freedom Flex is your card.

For example, if you use your card at a gas station, you can also use it to buy a gift card for a restaurant from the gas station’s store. This way, you’ll get 5% cash back on restaurants as well.

Final Thoughts

It can be difficult to decide whether the Chase Freedom Flex or Unlimited card is best for you.

However, by taking into account your spending habits and how much time you’re willing to spend managing your rewards, you can make an informed decision.

If you want to get the most out of every purchase, the Chase Freedom Flex is likely the better option. However, if you’re looking for good value without all the fuss, the Chase Freedom Unlimited card is a great choice.

It’s also good to note that you can use both cards together to get the best of both worlds. For example, you can use Chase Freedom Flex for bonus category spending and Chase Freedom Unlimited for everything else. No matter what you decide, you can’t go wrong with either of these great cards.

With the tips in this article, you should have all the information you need to decide which of these two popular cards is right for you. So, what are you waiting for? Get out there and start earning those rewards. You won’t be disappointed!