Chase has a great portfolio of credit cards that can potentially earn Ultimate Rewards points, and two of my favorites are the Chase Freedom Flex Credit Card and Chase Freedom Unlimited. In this post I wanted to take an in-depth look at the two cards, and which makes the most sense based on your situation.…
Continue reading: Chase Freedom Flex Vs. Freedom Unlimited: Which Is Best?
Share your questions, experiences, and thoughts below.
Have the reserve , freedom flex and venture x ( amongst a myriad of others )
I currently use the venture x for everyday spending and flex for bonus. The one drawback is that the flex has a $1500 cap per quarter.
I may switch to the unlimited and alternate my everyday spending between the unlimited and the venture x. I can’t get both because I’m over 5/24
I do think that with Venture/Venture X and Double Cash both now earning 2 transferrable points per dollar spent, Chase Freedom Unlimited's earn looks a bit weaker (unless you only transfer to Hyatt or redeem in the Chase portal). My spending on my Chase Freedom Unlimited has dropped quite a lot.
I mostly max out the quarterly bonuses on the Flex, so, let’s say $5000 annual 5x spend, yielding 25,000 Chase points worth OMAAT $425. I also have CSP and Ink Bus Cash, so I rake up bonus Chase points in several categories. I now only use the Unlimited for maybe $3000 a year (4500 points, $76.50 value). The same spend on my CSP gets 1.1x due to the annual 10% anniversary spend bonus: $3000 spend > 3300 pts > $56.10 value.
To the point, I only get about $20-$25 annual value from the Unlimited. I acknowledge that it’s still fine value for a free card, but I also feel saturated and crave a return to simplicity in my wallet. To that end, I recommend prioritizing the Flex. Circle back to Unlimited if you have unfilled 5/24 options and aren’t interested in Cap 1 or Citi cards.