BonusCeilingChase Freedom Unlimited vs Chase Freedom Flex: sign-up bonus comparison (Oct 2026)
Chase Freedom Unlimited: $200 after $500 spend in 3 months ($0 annual fee). Chase Freedom Flex: $250 after $500 spend in 3 months ($0 annual fee). Both need the same spend. Chase Freedom Flex is closer to its all-time high right now (at its all-time high (elevated right now)). Data checked 2026-10-16; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By TK · Updated
| Chase Freedom Unlimited | Chase Freedom Flex | |
|---|---|---|
| Issuer | Chase | Chase |
| Type | Personal | Personal |
| Current offer | $200 after $500 spend in 3 months | $250 after $500 spend in 3 months |
| Minimum spend | $500 in 3 months | $500 in 3 months |
| Annual fee | $0 | $0 |
| Earns | cash back (Ultimate Rewards points) | cash back (Ultimate Rewards points) |
| All-time high | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories | $250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy |
| vs. record | 67% of record | AT RECORD |
| Issuer rules | Chase 5/24 | Chase 5/24 |
| Verified | Yes, 2026-10-16 | Yes, 2026-10-16 |
| Apply | Chase site | Chase site |
Frequently asked questions
Which has the bigger bonus, Chase Freedom Unlimited or Chase Freedom Flex?
Chase Freedom Unlimited: $200 after $500 spend in 3 months. Chase Freedom Flex: $250 after $500 spend in 3 months. They earn different currencies (cash back (Ultimate Rewards points) vs cash back (Ultimate Rewards points)), so compare by how you'd redeem them.
Which bonus is easier to earn?
They require the same spend.
Can I get both?
Possibly, if you meet each issuer's rules: Chase Freedom Unlimited: Chase 5/24; Chase Freedom Flex: Chase 5/24.