![]() The biggest difference between the two cards is in the cash-back rewards. Although the Chase Freedom Unlimited and Chase Freedom Flex offer similar benefits, there are key differences to be aware of before choosing one over the other. The Chase Freedom Unlimited is often compared to the newer Chase Freedom Flex℠. Chase factors in your income level, the age of your credit accounts, and your current relationship with Chase Bank and whether you have any other Chase cards. This can mean a score in the mid 600s or higher. Also, this card is not ideal for travel purchases made abroad because it has a foreign transaction fee, which can get expensive if you use your card for purchases outside the U.S.Ĭhase Freedom Unlimited® required credit scoreĬhase doesn't publish credit score requirements, but you do need excellent credit to qualify for the card. Many people would rather just deal with a flat rate of rewards on all purchases. What are the downsides? The different rewards for the various purchase categories can get a little confusing. The Chase Freedom Unlimited doesn’t have one. Looking at just the sign-up bonus and the 5% you earn on travel through the Chase Ultimate Rewards portal, in your first year, you can earn $800 - and not lose any of that to an annual fee. Plus, the sign-up bonus is one of the highest of any credit card and is fairly simple to earn: You have to meet a low spending requirement of $500 with the card during the first three months. Nearly every other rewards credit card out there limits cash back on “other” purchases to just 1%, which means you’ll likely have plenty of opportunities to earn 0.5% more cash back with this card than you would with another card. Most significant, however, is the 1.5% cash back you earn on purchases outside your bonus categories. You can get 3% back on dining and at drugstores. ![]() ![]() The Chase Freedom Unlimited® credit card is a popular credit card because of its generous rewards program, which allows you to earn as much as 5% cash back on travel, through Chase Ultimate Rewards. Chase Freedom Unlimited® review: What we think
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