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All comparisons
Head-to-head, 2026

Chase Freedom Flex Chase Freedom Unlimited

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: Chase Freedom Flex

Chase

Freedom Flex

Annual fee
$0
Network
mastercard
Welcome value
$250
Min spend
$500 / 3mo

Top earning rates

  • 5×Bonus categories
  • 5×Travel
  • 3×Dining at restaurants
  • 3×Drugstore purchases

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
  • Extended Warranty · $0
  • World Elite Mastercard benefits · $0
Full Chase Freedom Flex review

Chase

Freedom Unlimited

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases
  • 2×Qualifying Lyft products and services

Key benefits

  • Purchase Protection · $500
  • Quarterly DoorDash non-restaurant discount · $10
  • Trip Cancellation and Interruption Insurance · $0
  • Roadside Assistance · $0
  • Freedom's Cashback Moments · $0
Full Chase Freedom Unlimited review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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