Compare Cards | The Stack

Compare Cards

See which card actually wins for your spend.

This page compares year-one value, ongoing value, welcome-offer difficulty, usable credits, and transfer flexibility under your own assumptions instead of generic rankings.

Build around Chase Freedom Unlimited

Card A

Card B

Assumptions

Pressure-test the math

Rewards use your annual spend mix. Credits are discounted by your usage slider. Points and miles use your valuation assumption.

Dining

$/mo

Groceries

$/mo

Travel

$/mo

Gas

$/mo

Online Shopping

$/mo

Streaming

$/mo

General

$/mo

Point Value1.5 cpp

Used for points and miles cards. Cash-back cards stay fixed.

Credit Usage70%

This discounts recurring credits so the page does not assume perfect usage.

Verdict

Chase Freedom Unlimited is the stronger fit under these assumptions.

It wins on both year-one value and the keep-or-cancel math after the welcome offer is gone.

Year One Winner

Chase Freedom Unlimited

Keeper Winner

Chase Freedom Unlimited

• Earns about $106 more per year at your current spend mix.

Chase Freedom Flex

Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and credit gap.

Chase

Chase Freedom Unlimited

No-fee keeperPersonal

Year One

$831

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$631

Annual rewards + usable credits - fee

Annual Rewards

$631

2.13% effective return

Welcome Offer

$200

Current listed first-year bonus value

Usable Credits

None

Discounted by your credit-usage assumption

Bonus Hurdle

$167/mo feels comfortable

Needs Good+ credit

Why it wins

• No standout edge under the current assumptions.

Watch for

• Foreign transaction fees make it weaker for international spend.

Build a plan around this card View offer details

Chase

Chase Freedom Flex

No-fee keeperPersonal

Year One

$724

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$524

Annual rewards + usable credits - fee

Annual Rewards

$524

1.77% effective return

Welcome Offer

$200

Current listed first-year bonus value

Usable Credits

None

Discounted by your credit-usage assumption

Bonus Hurdle

$167/mo feels comfortable

Needs Good+ credit

Why it wins

• No standout edge under the current assumptions.

Watch for

• Foreign transaction fees make it weaker for international spend.

Build a plan around this card View offer details

Spend Mix Math

Where the value actually comes from

Category returns are based on the spend mix you entered, your point-value assumption, and a discounted view of recurring credits.

CategoryAnnual SpendChase Freedom UnlimitedChase Freedom Flex

Dining

$5,400

$162

3.00%

$162

3.00%

Groceries

1.5%

$7,800

$117

1.50%

$78

1.00%

Travel

$3,000

$150

5.00%

$150

5.00%

Gas

1.5%

$1,920

$29

1.50%

$19

1.00%

Online Shopping

1.5%

$2,640

$40

1.50%

$26

1.00%

Streaming

1.5%

$480

1.50%

1.00%

General

1.5%

$8,400

$126

1.50%

$84

1.00%

Raw Breakdown

Full side-by-side details

Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.

Annual Fee

Chase Freedom Unlimited

Chase Freedom Flex

Free

Rewards

Chase Freedom Unlimited

Chase Freedom Flex

Dining

3%3%

Other

3%5%

Travel

5%5%

All

1.5%1%

Welcome Offer

Chase Freedom Unlimited

Chase Freedom Flex

$200 credit

Spend $500 in 3 mo

$200 credit

Spend $500 in 3 mo

Benefits

Chase Freedom Unlimited

Chase Freedom Flex

—

7 benefits

—

8 benefits

Quick Facts

Chase Freedom Unlimited

Chase Freedom Flex

Foreign Tx Fee

3%3%

Credit Needed

goodgood

Network

visamastercard

Reward Type

cashbackcashback