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Chase Freedom Flex vs Freedom Unlimited

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Freedom Unlimited 1.5% 1.5% base rate
  2. Freedom Flex 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Freedom Unlimited 3.0% 3%

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Freedom Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%
  2. Freedom Unlimited · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Freedom Unlimited 3.0% 3%

Lyft

  1. Freedom Flex 2.0% 2%
  2. Freedom Unlimited 2.0% 2%

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

Abroad the answer flips: Freedom Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Freedom Flex is the better card for everyday spend.

Where they differ: Freedom Unlimited takes everything else; Freedom Flex takes dining and groceries.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Unlimited1.5%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
LyftFreedom Flex2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Freedom Unlimited — 1.5%
  2. Freedom Flex — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Freedom Unlimited — 3.0%

Groceries

  1. Freedom Flex — 5.0%
  2. Freedom Unlimited — 1.5%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%
  2. Freedom Unlimited · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Freedom Unlimited — 3.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Freedom Unlimited — 2.0%
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