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Chase freedom credit card vs chase freedom unlimited

Chase recently announced a brand new credit card product to their portfolio—the Chase Freedom Flex℠. It comes at a propitious time as consumer spending has drastically shifted due to the COVID-19 pandemic. Consumers are looking for more ways to save money, so a new cash back credit card product makes sense. But how does it fare against one of the more popular Chase credit cards, the Chase Freedom Unlimited®? Here’s what you need to know if you are deciding between the two. The Chase Freedom Flex provides cardholders the opportunity to earn cash back in several categories. Cardholders will earn: By maximizing the Chase quarterly categories, along with utilizing the other cash back categories, cardholders can net hundreds of dollars per year in cash back. However, the one striking category is the 5% cash back on travel. While other cards like the Chase Sapphire Preferred® Card have a broad travel category, this card has the stipulation of spending within the Chase travel portal. This may be helpful in some situations, but not in others. Before booking travel within the Chase Ultimate Rewards portal, be sure to price check across platforms. Other third party booking services, along with direct bookings, may prove to be a better price. It would be self-defeating to save 5% when paying 10% more. Chase portal bookings, being third-party bookings, will not qualify for elite perks or earn nights towards elite status, which could mean loss of free breakfast, upgrades, late checkout and other valuable perks. Cards with rotating categories have been long time fan favorites for cash back credit cards. The same cash back potential also applies to the Chase Freedom Flex. To earn the 5% quarterly cash back, up to S,500, you must enroll in each quarter. You can do this in one-click on your online portal. When maximized, you can earn 0 in cash back each year. Here are the 2020 rotating categories so far: The most notable difference between the Chase Freedom and Chase Freedom Flex is the card issuer has changed from Visa to Mastercard. While this won’t affect your day to day purchases, you will earn several Mastercard World Elite benefits. The benefits include: If you have a large purchase you need to make, a 0% APR credit card is an effective tool to earn credit card rewards without paying interest. With the Chase Freedom Unlimited, you will have 15 months of 0% APR from account opening on purchases. After the intro period, a variable APR of 14.99%–23.74% applies. Some consumers find tracking credit card categories to be a burden, and want a simple product to earn credit card rewards on all purchases. With the Chase Freedom Unlimited, you will earn: Outside of the enhancements, the Chase Freedom Unlimited is a useful go-to card for non category spending. But if you want to up your cash back earnings, consider the Citi® Double Cash Card which earns 2% cash back—1% when you make the purchase and 1% when you pay it off. One of the biggest pain points of redeeming travel rewards is the complexity of some frequent flyer programs. And for consumers who value simplicity, cash back in your pocket is an easy selling point. When you earn cash back, your rewards don’t expire as long as your account is open. Cash back can be redeemed in a number of ways: Both cards offer the opportunity to maximize cash back potential. With rotating quarterly categories from the Chase Freedom Flex and the consistent 1.5% cash back from the Chase Freedom Unlimited, you can earn significant cash back on all purchases. While cash back credit cards are great for saving money, you are likely to obtain even more better value by earning travel rewards. When redeemed strategically, you can redeem your points and miles for thousands of dollars of travel expenses like flights and hotels. Neither the Chase Freedom Flex nor Chase Freedom Unlimited offer travel rewards for your purchases. However, both offer travel benefits like rental car insurance and trip cancellation insurance. If you have a Chase Sapphire Preferred, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card, you can consider the Chase Freedom Flex and Chase Freedom Unlimited to be travel rewards cards. That’s because the points earned through the Freedom cards can be transferred to your Sapphire or Ink card. Ultimate Rewards on the Sapphire and Ink Preferred cards can be transferred to Chase’s airline and hotel partners like United and Hyatt at a 1:1 ratio and can be redeemed through the Ultimate Rewards portal for increased value. Each of the welcome offers for the Chase Freedom Flex: Earn a 0 Bonus after you spend 0 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to ,000 spent in the first year. While Chase Freedom Unlimited offer: Earn a 0 Bonus after you spend 0 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to ,000 spent in the first year. 0 is nothing to balk at, other credit card welcome offers deliver much higher value. For example, with the Savor® Rewards from Capital One® gives new cardmembers earn a one-time 0 cash bonus once you spend S,000 on purchases within 3 months from account opening. And if a travel card is better suited, the The Platinum Card® from American Express offers an intro bonus: Earn 100,000 Membership Rewards® Points after you spend ,000 on purchases on the Card in your first 6 months of Card Membership. Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U. S., on up to ,000 in combined purchases, during your first 6 months of Card Membership. This could easily be worth over a thousand dollars when you consider the transfer partners. The showdown of these two cash back credit cards is a close one, but the newly-debuted Chase Freedom Flex edges out as a better option of the two as long as you’re willing to put in a little extra effort to track spending categories. The Mastercard World Elite benefits makes the card a great tool if things go awry. The only edge of the Chase Freedom Unlimited is the 1.5% cash back on non-category purchases. However, if you utilize the Chase quarterly categories on the Chase Freedom Flex, you will quickly be able to surpass the difference in cash back rewards. To view rates and fees of The Platinum Card® from American Express, please visit this page. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Brett Holzhauer is a former banking and personal finance reporter for Forbes Advisor. Previously, he was reporting at Value Penguin and Finance Buzz, and has been featured in numerous publications. An alum of the Walter Cronkite School of Journalism at Arizona State, when he is not reporting, Brett is likely scuba diving, golfing or watching college football. Chase recently announced a brand new credit card product to their portfolio—the Chase Freedom Flex℠. It comes at a propitious time as consumer spending has drastically shifted due to the COVID-19 pandemic. Consumers are looking for more ways to save money, so a new cash back credit card product makes sense. But how does it fare against one of the more popular Chase credit cards, the Chase Freedom Unlimited®? Here’s what you need to know if you are deciding between the two. The Chase Freedom Flex provides cardholders the opportunity to earn cash back in several categories. Cardholders will earn: By maximizing the Chase quarterly categories, along with utilizing the other cash back categories, cardholders can net hundreds of dollars per year in cash back. However, the one striking category is the 5% cash back on travel. While other cards like the Chase Sapphire Preferred® Card have a broad travel category, this card has the stipulation of spending within the Chase travel portal. This may be helpful in some situations, but not in others. Before booking travel within the Chase Ultimate Rewards portal, be sure to price check across platforms. Other third party booking services, along with direct bookings, may prove to be a better price. It would be self-defeating to save 5% when paying 10% more. Chase portal bookings, being third-party bookings, will not qualify for elite perks or earn nights towards elite status, which could mean loss of free breakfast, upgrades, late checkout and other valuable perks. Cards with rotating categories have been long time fan favorites for cash back credit cards. The same cash back potential also applies to the Chase Freedom Flex. To earn the 5% quarterly cash back, up to S,500, you must enroll in each quarter. You can do this in one-click on your online portal. When maximized, you can earn 0 in cash back each year. Here are the 2020 rotating categories so far: The most notable difference between the Chase Freedom and Chase Freedom Flex is the card issuer has changed from Visa to Mastercard. While this won’t affect your day to day purchases, you will earn several Mastercard World Elite benefits. The benefits include: If you have a large purchase you need to make, a 0% APR credit card is an effective tool to earn credit card rewards without paying interest. With the Chase Freedom Unlimited, you will have 15 months of 0% APR from account opening on purchases. After the intro period, a variable APR of 14.99%–23.74% applies. Some consumers find tracking credit card categories to be a burden, and want a simple product to earn credit card rewards on all purchases. With the Chase Freedom Unlimited, you will earn: Outside of the enhancements, the Chase Freedom Unlimited is a useful go-to card for non category spending. But if you want to up your cash back earnings, consider the Citi® Double Cash Card which earns 2% cash back—1% when you make the purchase and 1% when you pay it off. One of the biggest pain points of redeeming travel rewards is the complexity of some frequent flyer programs. And for consumers who value simplicity, cash back in your pocket is an easy selling point. When you earn cash back, your rewards don’t expire as long as your account is open. Cash back can be redeemed in a number of ways: Both cards offer the opportunity to maximize cash back potential. With rotating quarterly categories from the Chase Freedom Flex and the consistent 1.5% cash back from the Chase Freedom Unlimited, you can earn significant cash back on all purchases. While cash back credit cards are great for saving money, you are likely to obtain even more better value by earning travel rewards. When redeemed strategically, you can redeem your points and miles for thousands of dollars of travel expenses like flights and hotels. Neither the Chase Freedom Flex nor Chase Freedom Unlimited offer travel rewards for your purchases. However, both offer travel benefits like rental car insurance and trip cancellation insurance. If you have a Chase Sapphire Preferred, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card, you can consider the Chase Freedom Flex and Chase Freedom Unlimited to be travel rewards cards. That’s because the points earned through the Freedom cards can be transferred to your Sapphire or Ink card. Ultimate Rewards on the Sapphire and Ink Preferred cards can be transferred to Chase’s airline and hotel partners like United and Hyatt at a 1:1 ratio and can be redeemed through the Ultimate Rewards portal for increased value. Each of the welcome offers for the Chase Freedom Flex: Earn a 0 Bonus after you spend 0 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to ,000 spent in the first year. While Chase Freedom Unlimited offer: Earn a 0 Bonus after you spend 0 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to ,000 spent in the first year. 0 is nothing to balk at, other credit card welcome offers deliver much higher value. For example, with the Savor® Rewards from Capital One® gives new cardmembers earn a one-time 0 cash bonus once you spend S,000 on purchases within 3 months from account opening. And if a travel card is better suited, the The Platinum Card® from American Express offers an intro bonus: Earn 100,000 Membership Rewards® Points after you spend ,000 on purchases on the Card in your first 6 months of Card Membership. Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U. S., on up to ,000 in combined purchases, during your first 6 months of Card Membership. This could easily be worth over a thousand dollars when you consider the transfer partners. The showdown of these two cash back credit cards is a close one, but the newly-debuted Chase Freedom Flex edges out as a better option of the two as long as you’re willing to put in a little extra effort to track spending categories. The Mastercard World Elite benefits makes the card a great tool if things go awry. The only edge of the Chase Freedom Unlimited is the 1.5% cash back on non-category purchases. However, if you utilize the Chase quarterly categories on the Chase Freedom Flex, you will quickly be able to surpass the difference in cash back rewards. To view rates and fees of The Platinum Card® from American Express, please visit this page. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. Brett Holzhauer is a former banking and personal finance reporter for Forbes Advisor. Previously, he was reporting at Value Penguin and Finance Buzz, and has been featured in numerous publications. An alum of the Walter Cronkite School of Journalism at Arizona State, when he is not reporting, Brett is likely scuba diving, golfing or watching college football.

date: 25-Aug-2021 22:00next


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