Chase Freedom Flex vs Chase Freedom Unlimited
Chase Freedom Flex earns more on dining and groceries; Chase Freedom Unlimited earns more on gas, travel, airfare and 6 more categories.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
Most of your spending is on dining and groceries.
-
Pick it if
Most of your spending is on gas, travel, airfare and 6 more categories.
Neither has an annual fee, so pick on where you spend.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Chase Freedom Flex | Chase Freedom Unlimited | Earns more |
|---|---|---|---|
| Dining | $10.50 10.5% | $4.50 4.5% | Chase Freedom Flex (+$6.00) |
| Groceries | $7.50 7.5% | $2.25 2.25% | Chase Freedom Flex (+$5.25) |
| Gas | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Travel | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Airfare | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Hotels | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Transit | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Streaming | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Drugstores | $4.50 4.5% | $4.50 4.5% | Tie |
| Online shopping | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Wholesale clubs | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Everything else | $1.50 1.5% | $2.25 2.25% | Chase Freedom Unlimited (+$0.75) |
| Annual fee | $0 | $0 |