8 Benefits of the Chase Freedom Flex and Chase Freedom Unlimited

Benefits of the Chase Freedom Flex and Chase Freedom Unlimited

Both earn valuable rewards and offer flexible redemption options, plus multiple other perks, for no annual fee.

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Updated Apr 2, 2026 8:57 a.m. PDT · 1 min read Written by + more + more Edited by Managing Editor + more + more Co-written by Senior Writer + more + more SOME CARD INFO MAY BE OUTDATED

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The Chase Freedom Flex® and the Chase Freedom Unlimited® are $0-annual-fee cash-back credit cards with similar-sounding names and a lot of the same benefits — but also a few big differences. Chase Freedom Flex® Chase Freedom Unlimited® $0 With either card, you'll earn valuable and flexible Chase Ultimate Rewards® points that are worth a penny each when you redeem for cash. The primary difference is how you rack up those points based on spending. Here are the benefits of the Chase Freedom Flex® and the Chase Freedom Unlimited®. Chase Freedom Flex® Chase Freedom Unlimited® » MORE: Chase Freedom Flex vs. Chase Freedom Unlimited: Pick your style » MORE:

★ BIGGER BONUS ON FREDOM UNLIMITED

★ B IGGER BONUS ON FREDOM UNLIMITED Heads up! For a limited time, the Chase Freedom Unlimited® has a bonus offer for new cardholders that's not only bigger than what you'll find on a lot of competing cash back cards, but that also requires less spending to claim than many of those competitors. Chase puts it this way: "Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening." That's $50 larger than the card's usual cash bonus. Learn more and apply here. Chase Freedom Unlimited® Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Points for spending

NerdWallet rating Apply now Apply now Read Review The Chase Freedom Flex® earns 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter you activate. It also earns 5% on travel purchased through Chase, 3% on dining at restaurants and on drugstore purchases, and 1% on all other purchases. Chase Freedom Flex® » MORE: Current and previous quarterly bonus categories » MORE: The Chase Freedom Unlimited® earns 5% on travel purchased through Chase, 3% on dining at restaurants and purchases at drugstores, and 1.5% cash back on all other purchases. Chase Freedom Unlimited® Main difference? Quarterly rotating 5% categories vs. an extra 0.5% on the “everything else” spending.

NerdWallet rating Apply now Apply now Read Review » MORE: Full review of the Chase Freedom Flex® » MORE: Chase Freedom Flex® » MORE: Full review of the Chase Freedom Unlimited® » MORE: Chase Freedom Unlimited®

Multiple redemption options

Multiple redemption options Rewards earned on the Chase Freedom Flex® and the Chase Freedom Unlimited® can be redeemed for straight cash back — the most flexible reward of all — at a rate of a penny per point. You can take your earnings as a statement credit, or choose a direct deposit into an eligible Chase account. Chase Freedom Flex® Chase Freedom Unlimited® There's no minimum to redeem for cash back, so you can help yourself to your rewards whenever you like. You can also redeem points for gift cards, travel or Apple purchases through the Chase portal, or redeem them on Amazon.com to pay for all or part of your purchase. Point values may vary depending on how you spend them. » MORE: Complete card details for the Chase Freedom Flex » MORE: » MORE: Complete card details for the Chase Freedom Unlimited » MORE:

Transfers to other Chase cards

Transfers to other Chase cards If you also have a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, you can transfer the Chase Ultimate Rewards you earn from your Freedom card to one of those Sapphire cards and get a higher value per point, either by redeeming for travel booked through Chase or by transferring to partner airline or hotel loyalty programs. Chase Sapphire Preferred® Card Chase Sapphire Reserve® » MORE: Chase Sapphire showdown: Reserve vs. Preferred » MORE:

Sign-up bonus

0% intro APR offer

0% intro APR offer When you need a little extra breathing room to pay off a big purchase, a 0% introductory APR offer could help. Chase Freedom Flex®: 0% intro APR on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR. Chase Freedom Flex®: Chase Freedom Flex® 0% intro APR on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR Chase Freedom Unlimited®: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR. Chase Freedom Unlimited®: Chase Freedom Unlimited® 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR » MORE: NerdWallet's best 0% APR credit cards » MORE:

Partner perks

Both cards give you: Lyft: For new and existing cardholders through September 2027, both cards will also earn 2% back on qualifying Lyft services purchased through the Lyft app. Lyft: Shopping portal: Earn 1% to 15% cash back at select merchants when you purchase through the Chase online bonus mall. Shopping portal:

Shopping/travel/fraud protections

Shopping/travel/fraud protections The Chase Freedom Flex® and the Chase Freedom Unlimited® also come with some peace-of-mind benefits when you use them to make a purchase or buy travel services. Chase Freedom Flex® Chase Freedom Unlimited®

Shopping

Purchase protection: Your new purchase is covered for 120 days against damage or theft up to $500 per claim and $50,000 per account. Purchase protection: Extended warranty protection: On eligible warranties of three years or less, you'll get an additional year of coverage on the manufacturer's warranty. Extended warranty protection: » MORE: These Chase cards give you access to The Shops at Chase » MORE

Travel

Rental car insurance: Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. Rental car insurance: Trip cancellation insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable passenger fares if your trip is canceled or cut short by sickness, severe weather and other covered situations. Trip cancellation insurance:

Fraud

Credit score/ID theft: Access your credit score any time and get free identity restoration services with the online account tool called Chase Credit Journey. Credit score/ID theft:

Visa or Mastercard perks

The Chase Freedom Unlimited® runs on the Visa payment network, while the Chase Freedom Flex® is a Mastercard. In terms of acceptance, it doesn't matter much if you carry a Visa or a Mastercard. Chase Freedom Unlimited® Chase Freedom Flex® » MORE: Visa vs. Mastercard: Why it doesn’t make much difference » MORE: But Visa and Mastercard do offer some differing side perks. Of particular interest for holders of the Chase Freedom Flex®, which is an upper-tier World Elite Mastercard: Chase Freedom Flex® Cell phone protection: Get up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your Chase Freedom Flex®. You can make a maximum of two claims in a 12-month period with a $50 deductible per claim. Cell phone protection: Chase Freedom Flex® Discounts on services like Lyft, Boxed, Postmates, Shoprunner, Fandango and more. Hotel benefits via the Mastercard Luxury Hotel and Resorts program.

Paired up

Paired up Remember that you don't necessarily have to choose between the Chase Freedom Flex®or the Chase Freedom Unlimited®. If you have both, you can use them in tandem to punch up your earning potential. Chase Freedom Flex® Chase Freedom Unlimited® True, there’s overlap in some of the bonus categories, but you can turn to the Chase Freedom Flex® for spending in the 5% bonus categories and cell phone protection, and use the Chase Freedom Unlimited® for its 1.5% “everything else” rewards. Chase Freedom Flex® Chase Freedom Unlimited® » MORE: Card coupling: Pair up your credit cards to maximize rewards » MORE:

More about these cards

More about these cards Chase Freedom Flex®: Complete card details | NerdWallet review Chase Freedom Flex®: Chase Freedom Flex® | Chase Freedom Unlimited®: Complete card details | NerdWallet review Chase Freedom Unlimited®: Chase Freedom Unlimited® | Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the authors Robin Saks Frankel Robin is a former credit cards writer for NerdWallet. Her work has been featured by The New York Times, USA Today, Business Insider and other media outlets. See full bio. Gregory Karp Greg Karp is a former NerdWallet writer and an expert in personal finance and credit cards. He previously worked at the Chicago Tribune and wrote two money books. See full bio. ? Cards From Our Partners Apply now Apply now

on Chase's website

Chase Sapphire Reserve®

4.7 NerdWallet rating NerdWallet rating Rewards rate 1x-8x Points Intro offer 125,000 Points Apply now Apply now

on Chase's website

Chase Sapphire Preferred® Card

4.7 NerdWallet rating NerdWallet rating Rewards rate 1x-5x Points Intro offer 75,000 Points Apply now Apply now

on Chase's website

Sapphire Reserve for Business℠

4.9 NerdWallet rating NerdWallet rating Rewards rate 1x-8x Points Intro offer 150,000 Points

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