After that, the ongoing fee will be either $5 or 5% of the amount of each transfer, whichever is greater.
There's an intro balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Plus, both cards offer no interest on new purchases and balance transfers for the first 15 months your account is open (after, 19.49% - 28.24% variable APR). That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores and 3% on all other purchases. The Freedom Unlimited is offering a bonus of an extra 1.5% on everything you buy (on up to $20,000 spent in the first year), which is worth up to $300 cash back. The Freedom Flex currently offers a welcome bonus of $200 cash back after you spend $500 on purchases in your first three months from account opening. Since a product change is not considered a new application, you’ll miss out the welcome bonus and intro 0% APR offers currently running on the Freedom Flex and Unlimited cards. The only way to get a sign-up bonus is to apply for a new card, be approved and reach certain spending requirements if there are any. Do you want to earn a welcome bonus or take advantage of special financing? These are great rates if you’re looking for a passive rewards program that doesn’t require any activation. New Unlimited cardholders can earn an extra 1.5% on everything they buy (on up to $20,000 spent in the first year), which is worth up to $300 cash back. Condé Nast Traveler and CardRatings may receive a commission from card issuers.The Freedom Unlimited scraps the quarterly bonus categories and instead offers a more straightforward 5% cash back on travel purchased through Chase Ultimate Rewards, 3% on drugstore purchases and dining at restaurants (including takeout and eligible delivery services) and 1.5% on all other purchases. Learn more about signing up for the Chase Freedom Unlimited here.Ĭondé Nast Traveler has partnered with CardRatings for our coverage of credit card products. Learn more about signing up for the Chase Flex Freedom here. If you are considering applying for multiple cards, don't forget about Chase's so-called 5/24 rule: The card issuer only approves applicants who have opened fewer than five credit cards (from any bank) over the course of 24 months.
Chase freedom full#
The supplemented earning on the Freedom Flex's bonus categories, combined with the numerous other travel perks on the Chase Sapphire Reserve (like its $300 annual travel credit) would be a tough duo to beat once travel is in full swing again. Pairing with a Sapphire card would also mean a better redemption rate when using points to book travel directly through Chase's own portal. When combined with a Sapphire card, Ultimate Rewards points can be transferred to Chase's 10 airline partners and three hotel partners. However, probably the best way to utilize the Freedom Flex or Freedom Unlimited would be to pair one or the other with the Chase Sapphire Reserve or the Sapphire Preferred. Who are these cards best for?īoth the Chase Freedom Flex and Chase Freedom Unlimited offer strategic ways for travelers to rack up more Ultimate Rewards points, and either one would be a good way to start earning with Chase while avoiding the sticker shock of some of the brand's more premium cards. Freedom Unlimited cardholders will also have access to 5 percent cash back on Lyft rides through March 2022, and the same DoorDash DashPass perks as Flex cardholders. The card earns an unlimited 1.5 percent back on all other purchases. 5 percent on travel purchased through Chase Ultimate Rewards.
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