Chase Freedom Unlimited®
vs. Chase Freedom Flex® Card

Key Features

• Card Uses: Cash Back, Balance Transfer, Zero Interest
• Annual Fee: $0
• Introductory Offer: 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.
• Rewards: 5% cash back on travel through Chase Travel℠, 3% on dining and drugstores and 1.5% on all other purchases.

APR and Fees

• Introductory APRs: 0% for 15 months on purchases and balance transfers, then a variable APR of 19.74%–28.49% after that.
• Regular APRs: 19.74%–28.49% variable
• Penalty APR: Up to 29.99% variable
• Balance Transfer Fees: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
• Late Fees: Up to $40
• Foreign Transaction Fee: None

Perks and Protections

• Zero Liability Protection
• Extended Warranty Protection
• Trip Cancellation/Interruption Insurance
• Auto Rental Collision Damage Waiver
• Travel and Emergency Assistance Services
• DashPass Membership
• $10 Off Quarterly on DoorDash Non-Restaurant Orders
• Chase Pay Over Time

Introductory Offers

• Cash Bonus: Earn a $200 bonus after spending $500 in the first three months.
• Introductory APR: 0% intro APR on purchases and balance transfers for 15 months. After the introductory period, the variable APR ranges from 19.74% to 28.49%.
• Balance Transfer Fee: 3% of the amount of each transfer, with a minimum of $5.

Cash Back

• Rotating Categories: 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter (activation required).
• Fixed Categories: 5% cash back on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.
• Chase Ultimate Rewards: Points can be redeemed for cash back or transferred to Chase Sapphire cards for travel rewards.

APRs, Fees, and Penalties

• Annual Fee: $0.
• Regular APR: 19.74% - 28.49% variable.
• Penalty APR: Up to 29.99% variable for late or missed payments.
• Balance Transfer Fee: 3% of the transferred amount (minimum $5).
• Late Fees: Up to $40 for missed payments.
• Foreign Transaction Fee: 3% on each transaction made outside the U.S.

Perks & Benefits

• Zero Liability Protection: Protection against unauthorized purchases.
• Extended Warranty Protection: Extends the U.S. manufacturer’s warranty by an additional year on eligible purchases.
• Trip Cancellation/Interruption Insurance: Reimbursement for covered travel disruptions.
• Cell Phone Protection: Coverage for damage or theft when you pay your monthly bill with the card.
• Auto Rental Collision Damage Waiver: Provides primary rental car insurance when you decline the rental company’s insurance.
• DashPass Membership: Complimentary access to DashPass, offering discounts on food delivery with DoorDash.