Chase Freedom Flex vs Chase Freedom Unlimited
Chase Freedom Unlimited pays $105 a year more than Chase Freedom Flex, year one and every year after.
Both cards, the same math, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
$482Chase Freedom Flex · year one
Pays more$587Chase Freedom Unlimited · year one
Side by side
The terms are each issuer’s own, verified on the date in the table. The math below them is our engine’s, for a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else.
Where the gap comes from
The widest line is groceries: Chase Freedom Flex +$96, Chase Freedom Unlimited +$144, $48 in favour of Chase Freedom Unlimited.
No single spending line from $0 to $5,000 a month, with the rest unchanged, changes which card pays more every year.
Where the numbers came from: Chase’s page for the Chase Freedom Flex, verified October 2, 2026, and Chase’s page for the Chase Freedom Unlimited, verified October 2, 2026. The method is on how we pick.
Our math counts what the data holds: earn rates, the bonus, credits and fees. Each card’s own page lists its plain facts. Confirm the current offer with the issuer before you apply.
Where these cards show up
- Chase Freedom FlexChase · for rotating categories, 5x each quarter
- Chase Freedom UnlimitedChase · for dining, 3x and 1.5x on the rest
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
- Citi Double Cash vs Chase Freedom UnlimitedCiti Double Cash pays $81 a year more than Chase Freedom Unlimited, year one and every year after.
- Wells Fargo Active Cash vs Chase Freedom UnlimitedChase Freedom Unlimited pays $19 more in year one, then Wells Fargo Active Cash pays $81 more every year after.
- Discover it Cash Back vs Chase Freedom FlexChase Freedom Flex pays $14 more than Discover it Cash Back in year one and $48 more every year after.