freedom flex vs. freedom unlimited
Want to discuss these deals? Apply to join the members-only MilesTalk Facebook group.
Advertising Disclosure: Links and credit card offers on this page may earn us a small commission. They never influence what we cover but they do keep the lights on. Learn More

Ever since Chase announced the launch of the new Chase Freedom Flex credit card, which essentially replaced the soon-to-be legacy Chase Freedom card, I’ve spent quite a bit of time comparing and contrasting those two cards and what the differences are.

Here’s my in-depth comparison of the Chase Freedom Flex and the Chase Freedom.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

If you missed it, Chase is also completely refreshing the Chase Freedom Unlimited, which means that many of you are still a bit confused on the differences between the brand new Chase Freedom Flex and the newly refreshed Chase Freedom Unlimited.

Here’s a chart comparing the Freedom Flex and the Freedom Unlimited

I’ve bolded the rows where the cards differ.

 Chase Freedom FlexChase Freedom Unlimited
freedom flexchase freedom unlimited
Bonus Offer$200 (20,000 Ultimate Rewards) after spending $500 in 3 months + 5X points on grocery spend for one year$200 (20,000 Ultimate Rewards) after spending $500 in 3 months + 5X points on grocery spend for one year
Card NetworkMastercardVisa
Earn rate on general spend1X1.5X
Earn rate on rotating quarterly bonus categories (limit $1,500 per quarter n spend)5XNot a feature of this card
Earn rate on on travel when purchased through the Chase Ultimate Rewards portal5X5X
Earn rate on dining including takeout3X3X
Earn rate at drugstores3X3X
Earn rate on Lyft rides (through March 2022)5X5X
Mastercard World Elite benefits ($10 credit per 5 Lyft rides, 5% in Boxed credits, Free Shoprunner)YesNo
Foreign Transaction Fees Charged?YesYes
Can points be transferred to a Sapphire card for transfer to travel partners?YesYes
Cell Phone Protection Benefit: up to $800 per claim and $1,000 per year (see full details)Yes!No

As you can see, the differences between these two cards are fairly small yet really important to understand, especially if you don’t have either and only want to (or only can, thanks to 5/24) one or the other.

Here are the key differences between the Freedom Flex and the Freedom Unlimited

How to Decide Between the Freedom Flex and the Freedom Unlimited?

First off, you can have both! If you already have one you can apply for the other. So if you already have a Freedom Unlimited, you can grab a Freedom Flex starting September 15th, get the bonus offer –¬†$200 (20,000 Ultimate Rewards) after spending $500 in 3 months + 5X points on grocery spend for one year – and then you can use the Freedom Flex for the rotating quarterly bonus categories and the Unlimited for 1.5X on non-bonused spend.

But what if you already have another card that earns more than 1.5% / 1.5X on non-bonused spend (and by the way, I list the best credit cards for spend without a bonus category here). I’m partial to a Citi Double Cash¬†which earns 2% cash back on everything and can be converted into Citi Thank You points¬†if you also have a Citi Premier or Prestige card or an Amex Blue Business Plus card, which earns 2X Membership Rewards on everything up to $50k a year.

YourBestCreditCards

If you already beat 1.5X on non-bonused spend, you probably only need a Freedom Flex so you can get the 5X rotating categories. Or, you might opt for a Freedom Flex because you want the World Elite benefits like the free cell phone protection benefit (which is really a great benefit in a no-fee card!!).

But if you don’t already have a great card for non-bonused spend, and you want to focus on earning Chase points, then the Freedom Unlimited may be the better first option.

Conversion Considerations:

If you currently have a Chase Freedom card, it won’t automatically convert into a Freedom Flex but you can call Chase at the number on the back of your card and ask for them to convert it for you.

You can have only one Chase Freedom Flex card and you can only convert to it from an existing Chase Freedom. Therefore, if you don’t have an existing Freedom card, you’ll need to apply outright for the Chase Freedom Flex if you want one.

Meanwhile, you can convert an existing Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Freedom card to a Freedom Unlimited.

If you currently have a Chase Freedom and also max out the $1,500 on the quarterly bonus categories, you may still want to apply for a new Freedom Flex so that you can have double the quarterly 5X limit ($1,500 per card). The rotating categories are the same.

Related: Chase Freedom Flex vs. Chase Freedom – All of Your Questions Answered

See how to apply for a Chase Freedom Flex or a Chase Freedom Unlimited.

 

Any other questions?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My ‚Äúintroduction to miles and points‚ÄĚ book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

yottaWhat is Yotta Savings?: The Yotta Savigs account is a really fun way to earn interest at a higher rate than Marcus while having some fun each night when the Yotta prize ball drops. Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. Plus, it's fun! | Read my review of Yotta.


I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

LEAVE A REPLY

Please enter your comment!
Please enter your name here