pointslip milestomorrow.com

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 Sep 14

Everything else

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

Dining

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

Gas

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

Travel

  1. Freedom Flex · Chase Travel 5.0% 5%
  2. Freedom Unlimited · Chase Travel 5.0% 5%
  3. Freedom Unlimited 1.5% 1.5% base rate
  4. Freedom Flex 1.0% 1% base rate

Drugstores

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

Public transit

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

Live events

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

What the numbers are doing

Freedom Flex wins gas, public transit and live events at 5% only because the rotating calendar is on them this quarter. The quarter ends September 30, 2026; after it the card earns 1% there, and no later quarter in the published calendar brings it back.

Where they differ: Freedom Unlimited takes everything else; Freedom Flex takes gas, travel, public transit and live events.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Unlimited1.5%
DiningFreedom Flex3.0%
GasFreedom Flex5.0%
TravelFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
Public transitFreedom Flex5.0%
Live eventsFreedom Flex5.0%

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 — 3.0%
  2. Freedom Unlimited — 3.0%

Gas

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

Travel

  1. Freedom Flex · Chase Travel — 5.0%
  2. Freedom Unlimited · Chase Travel — 5.0%
  3. Freedom Unlimited — 1.5%
  4. Freedom Flex — 1.0%

Drugstores

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

Public transit

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

Live events

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

The iPhone app is not available yet

Preview this set of cards. The web can add one card, or any of the combos on the free list; the app adds any set of cards for $9.99 once. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.