Freedom Flex vs Freedom Unlimited

Updated September 17, 2026 · from RightCard's verified card and merchant data

Chase Freedom Unlimited earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Flex in 0, with 2 tied. Freedom Flex: no annual fee. Freedom Unlimited: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Freedom Flex	Freedom Unlimited	Wins
Restaurants	3%	3%	tie
Supermarkets	1%	1.5%	Freedom Unlimited
Gas stations	1%	1.5%	Freedom Unlimited
Travel	1%	1.5%	Freedom Unlimited
Online shopping	1%	1.5%	Freedom Unlimited
Drugstores	3%	3%	tie
Transit & rideshare	1%	1.5%	Freedom Unlimited
Streaming	1%	1.5%	Freedom Unlimited
Everything else	1%	1.5%	Freedom Unlimited

This quarter: Chase Freedom Flex earns 5% on gas through Sep 30 after activation. Rotating windows are not in the table above.

This quarter: Chase Freedom Flex earns 5% on transit through Sep 30 after activation. Rotating windows are not in the table above.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Freedom Flex	no annual fee	none verified	—
Freedom Unlimited	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 7 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Chase Freedom Flex in full → · Chase Freedom Unlimited in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Freedom Flex or Freedom Unlimited: which earns more?

Chase Freedom Unlimited earns more in 7 of 9 categories (supermarkets, gas stations, travel, online shopping), Chase Freedom Flex in 0, with 2 tied. Freedom Flex: no annual fee. Freedom Unlimited: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Freedom Flex or Freedom Unlimited?

Freedom Flex: no annual fee. Freedom Unlimited: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 7 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card