Chase Freedom Flex vs Chase Freedom Unlimited
Chase Freedom Flex and Chase Freedom Unlimited are roughly even on year-1 math at 1.8¢/pt.
Quick verdict
Chase Freedom Flex and Chase Freedom Unlimited are roughly even on year-1 math at 1.8¢/pt
Chase Freedom Flex: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. Chase Freedom Unlimited: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Freedom Flex | Chase Freedom Unlimited | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | 20,000 pts after $500 in 3mo | 20,000 pts after $500 in 3mo |
| Welcome bonus value @ 1.8¢ | $360 | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $360 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Freedom Flex
0 recurring credits
No recurring credits listed in our catalog for this card.
Chase Freedom Unlimited
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Chase Freedom Flex if
you prefer the Chase Ultimate ecosystem (Chase Ultimate portal, Chase Ultimate transfer partners, Chase Ultimate elite status path).
Pick Chase Freedom Unlimited if
you prefer the Chase Ultimate ecosystem (Chase Ultimate portal, Chase Ultimate transfer partners, Chase Ultimate elite status path).