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.
Chase
Freedom Flex
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- $200
- Min spend
- $500 / 3mo
Top earning rates
- 5×rotating quarterly categories · Chase Ultimate Rewards
- 5×travel · Chase Ultimate Rewards
- 3×dining · Chase Ultimate Rewards
- 3×drugstores · Chase Ultimate Rewards
Key benefits
- 5% Quarterly Rotating Categories · $300
- 1% Base Cash Back Rate · $163
- 5% on Chase Travel purchases · $150
- 3% on Dining · $108
- No Minimum Rewards Redemption · $25
Chase
Freedom Unlimited
- Annual fee
- $0
- Network
- visa
- Welcome value
- $200
- Min spend
- $500 / 3mo
Top earning rates
- 5×travel · Chase Ultimate Rewards
- 5×rideshare · Chase Ultimate Rewards
- 3×dining · Chase Ultimate Rewards
- 3×drugstores · Chase Ultimate Rewards
Key benefits
- 1.5% cash back on all other purchases · $267
- 5% cash back on Chase Travel · $150
- 3% cash back on Dining · $108
- 5% cash back on Lyft · $60
- Chase Offers · $50
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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