Freedom vs Freedom Flex

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Freedom

Chase

Freedom Flex

Chase

Economics

Ongoing annual value

$301

$482

$181/yr more

Net value (value − fee)

$301

$482

$181/yr more

First-year value estimate

—

$292

Authorized user fee

—

Network

Visa

Mastercard

Sign-up Bonus

Current offer

—

$200 (*awarded as 20,000 points) after spending $500 in the first 3 months

Earning

Travel booked through Chase Travel

—

5X7.5%

Dining

—

3X4.5%

Drugstores

—

3X4.5%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

Instacart: $10 (Quarterly)

DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)

Lounge access

—

Elite status

—

Protections

The same on both cards (10)

Annual fee

Foreign transaction fee

Issuer

Chase

Rewards currency

Chase Ultimate Rewards

Card type

Personal

All other purchases

1X1.5%

Gas stations, public transit, & EV charging (July to September 2026) up to $1.5K total spend per quarter. Requires activation.

5X7.5%

Lyft (through 9/30/2027)

5X7.5%

Select live entertainment (July to September 2026) up to $1.5K total spend per quarter. Requires activation.

5X7.5%

United Way (July to September 2026) up to $1.5K total spend per quarter. Requires activation.

5X7.5%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

No ads, no paid placement · Your wallet, your math