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Chase Freedom Unlimited and Chase Freedom Flex Benefits

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Lyle Daly
Author: Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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The Chase Freedom lineup includes some of the most popular Chase credit cards. All the Chase Freedom cards have similar sets of features, but there are also some differences.

In this guide to Chase Freedom benefits, you'll learn about every important perk that can help when you're comparing credit cards to decide which one is right for you.

Chase Freedom Unlimited®

Ratings Methodology
Award Icon 2025 Award Winner

Chase Freedom Unlimited®

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Chase Freedom Unlimited®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase. Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC

Here's the full list of what you get with this rewards card.

Great sign-up bonus

This card comes with a sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to 5% back

The Chase Freedom Unlimited® earns:

  • 5% cash back on travel purchased through Chase Travel
  • 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
  • 1.5% cash back on all other purchases

0% intro APR

This introductory 0% APR offer applies to purchases and balance transfers and lasts for 15 months after opening the account.

No annual fee

The Chase Freedom Unlimited® won't cost you anything extra, because Chase doesn't charge an annual fee for it.

Consumer protections

Eligible purchases made with your Chase Freedom Unlimited® will qualify for the following Chase card benefits:

  • Purchase protection: Covers new purchases against damage or theft for 120 days, up to maximums of $500 per claim and $50,000 per account
  • Extended warranty protection: Extends U.S. manufacturers' warranties by one year. Applies to eligible warranties of three years or less.

Travel protections

The Chase Freedom Unlimited® includes the following built-in travel protections for eligible purchases made with the credit card:

  • Auto rental collision damage waiver: You can get theft and collision coverage in the U.S. and abroad. You'll need to decline the rental company's coverage and pay the full rental cost with your Chase card. For car rentals in the United States, this coverage is secondary to your personal insurance.
  • Trip cancellation/interruption insurance: If your trip is canceled or cut short due to sickness, severe weather, or other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, non-refundable passenger fares.
Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

Best Chase credit cards

Chase Freedom Flex® benefits

Chase Freedom Flex®
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Ratings Methodology

Chase Freedom Flex®

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Chase Freedom Flex®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74%-28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

The Chase Freedom Flex® is a World Elite Mastercard®, so it has a few additional benefits compared to the other Visa cards in the Freedom lineup. Other than that, this card has many of the same perks as the Chase Freedom Unlimited®.

$200 bonus

You just need to spend $500 on purchases within 3 months of opening the Chase Freedom Flex® to collect this $200 bonus.

To sweeten the pot, in the first year you'll also get 5% cash back on combined gas and grocery purchases on up to $12,000 spent.

Up to 5% back

The Chase Freedom Flex® earns:

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining and drugstores
  • 1% cash back on all other purchases

You can see which rotating bonus categories this card offers each quarter with a Chase Freedom bonus calendar. To activate the rotating bonus categories, either log in to your Chase account or call the card issuer at the number on the back of your card.

0% intro APR

This 0% introductory APR lasts for 15 months and applies to your purchases and balance transfers.

No annual fee

The Chase Freedom Flex® is free to carry, as it has no annual fee.

World Elite Mastercard® benefits

Since this is a World Elite Mastercard®, it includes the following complimentary extras:

  • A $5 Lyft credit once per month when you take three rides in a month
  • $3 off Peacock Premium or $5 off Peacock Premium Plus each month if you pay your subscription with your World Elite Mastercard®
  • A free ShopRunner membership with free two-day shipping with hundreds of retailers
  • Free delivery on Instacart+ orders for two months and $10 off your second order each month

Consumer protections

The Chase Freedom Flex® has the following built-in protections for eligible purchases you make with it:

  • Cellphone protection: Protects against covered theft or damage for phones listed on your monthly cellphone bill if you pay it with your eligible Chase card. Covers up to $800 per claim and $1,000 per year, up to a maximum of two claims in a 12-month period and with a $50 deductible per claim.
  • Purchase protection: Protects new purchases against damage or theft for 120 days, up to a maximum of $500 per claim and $50,000 per account.
  • Extended warranty coverage: Extends the time period of the U.S. manufacturer's warranty by one year on eligible warranties of three years or less.

Travel protections

When it comes to travel protections, the Chase Freedom Flex® offers the following on eligible purchases made with the credit card:

  • Auto rental collision damage waiver: Protects against theft and collision in the United States and abroad. To get this coverage, you must decline the rental company's coverage and use your Chase card to pay the full rental cost. In the United States, this coverage is secondary to your personal insurance.
  • Trip cancellation/interruption insurance: Reimburses you up to $1,500 per person and $6,000 per trip on prepaid, nonrefundable passenger fares if your trip is either cut short or canceled because of sickness, severe weather, or any other covered situation.

Chase Freedom card benefits

The Chase Freedom is no longer open to applications. It was effectively replaced by the Chase Freedom Flex® in September 2020. Consumers who have the credit card can continue to use it, however. Below, you'll find the Chase Freedom benefits it offered before applications were closed.

$200 bonus

When applications for the Chase Freedom were open, new cardholders could get a $200 cash back bonus. The sign-up bonus required $500 of purchases in the first 3 months.

Up to 5% back

The Chase Freedom earns:

  • 5% back on up to $1,500 in combined purchases across rotating bonus categories you activate each quarter
  • 1% back on other purchases

If you're a Chase Freedom cardholder, you can still activate bonus categories every quarter to get your 5% back, either online or by calling Chase.

0% intro APR

New Chase Freedom cardholders could get a 15-month 0% intro APR on purchases.

No annual fee

All the cards in the Chase Freedom line are no annual fee credit cards, and this is no exception.

Consumer protections

Even though Chase no longer issues Chase Freedom cards, many of the cardholder perks remain. If you pay for eligible purchases with your Chase Freedom, you'll get a couple of protections:

  • Purchase protection: New purchases are protected against damage or theft for the first 120 days. Coverage limits are $500 per claim and $50,000 per account.
  • Extended warranty protection: Adds one year to the U.S. manufacturer's warranty. This benefit covers eligible warranties of up to three years.

Travel protections

You'll get these travel protections on eligible travel purchases when you pay with your Chase Freedom:

  • Auto rental collision damage waiver: Insurance coverage that protects you in the event of damage or theft to your rental car. This applies to car rentals both in the United States and abroad, as long as you decline coverage from the rental company and pay for the rental in full with your Chase Freedom card. If you're renting a car in the United States, this coverage is secondary to your personal insurance.
  • Trip cancellation/interruption insurance: Applies for trips that are either canceled or cut short for sickness, severe weather, or other covered situations. Coverage maximums are $1,500 per person and $6,000 per trip for your prepaid, non-refundable passenger fares.

Considering none of the cards charge an annual fee, the Chase Freedom lineup offers an impressive slate of benefits. You'll get cash back rates on par with the best credit cards, excellent sign-up bonus and 0% APR introductory offers, and quite a few valuable extras.

It usually takes a good credit score, specifically a FICO® Score of 670 or higher, to get approved for a Chase Freedom card. Read up on how to get prequalified for a Chase card to see whether you have a solid shot at approval. If your credit score is high enough, you just need to decide which Chase Freedom credit card is best for you: the Chase Freedom Unlimited® or the Chase Freedom Flex®.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Still have questions?

Some other questions we've answered:

FAQs

  • Yes, you can apply for both. Keep in mind that Chase denies applicants who have opened more than five credit cards in the last 24 months (otherwise known as the Chase 5/24 rule).

  • Yes, you can get a welcome offer on both cards.