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Both the Chase Freedom Flex® and Chase Freedom Unlimited® are cash back cards integral to maximizing your earn rate with Chase. The Freedom Unlimited has a new limited time offer that may be appealing to you!
The long and short is Chase Freedom Flex has rotating 5x categories ( $1500 max per quarter ), and Freedom Unlimited earns 1.5x on every single purchase you make – no maximum. Both of these cards have additional bonus categories, but the goal is to create a Chase ecosystem of cards that give you the best possible rate of return on each purchase you make.
Don’t forget that these are technically cash back cards, butttttt you can convert them into Chase Ultimate Rewards® Points and transfer to partners if you carry a premium Chase card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Ink Business Preferred® Credit Card, or the Chase Sapphire Reserve for Business SMThis is how you can maximize the value of your points and fly in those sweet cabins we all aspire to put our butts in.
Also…if you want to leave a referral our main Chase Refer a Friend page…feel free
Chase Freedom Unlimited®
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- Chase Freedom Unlimited Referral Offer is $250/25k UR after $500 spend in 3 months
- How populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Amazing new bonus categories
Chase Freedom Flex®
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- Chase Freedom Flex Referral Offer is $200/20k UR after $500 spend in 3 months
- How to populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Amazing new bonus categories – HIGHLY RECOMMEND THIS CARD
5/24
Both of these cards are restricted by 5/24 and will add to your 5/24 number
Taxing on referrals
You may receive a 1099 from Chase on your referral bonuses. Historically this has been at $0.01 per point…don’t hold me to that.
Leaving your links
As I do with all my referral pages…I will work through my links, then my friends and family, and once we’ve maxed out our referral bonuses I will integrate your referrals into the body of my post. This gives you the opportunity to earn off the traffic of my page and share in my success with some valuable points. If you’d like to leave your links in the comments section, you’re more than welcome
Thank you for using our links and feel free to leave yours in the comment section
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card went through a major refresh in 2026 adding new bonus categories, travel protections, statement credits, and remains one of the best travel starter cards in the market. It earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott. Note that Hyatt is now a 4:3 transfer partner
Welcome Offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account openingÂ
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Earn
- 5x on all travel purchased through Chase Travelâ„
- NEW ACCELERATED EARN CATEGORY: 3x points on gas and EV charging
- NEW ACCELERATED EARN CATEGORY: 3x points on vacation homes at top brands
- Cardmembers will earn 3x points on vacation homes at these top brands: Airbnb, Vrbo, Plu Guide, HomeAway, Homestay.com and Vacasa.
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 2x on all other travel
- 1x on everyday purchases
- 5x points on Lyft rides Earn 5x total points on eligible Lyft rides including ride share, bike and scooter rides and subscription and membership products through September 30, 2027.
- 5x total points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Benefits and Credits
- $100 Annual Chase Travel Hotel Credit via Chase Travelâ„
- NEW: $120 Global Entry, TSA PreCheck or NEXUS fee credit Cardmembers will receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to the card.
- NEW: Complimentary Apple TV subscription for one year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:Â
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.Â
The Chase Sapphire Preferred® Card is great starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Chase Ink Business Cash® , Chase Ink Business Unlimited® you can combine the points into the Sapphire Preferred account and transfer into hotel and airline partners
Annual fee remains quite low at $95 a year and if you use the $100 Annual Chase Travel Hotel Credit via Chase Travelâ„ you’ll wipe out that annual fee every year. It has great bonus categories and other useful statement credits to enhance your travel.
One thing that is a bummer is Chase lowered the transfer ratio to World of Hyatt from 1:1 to 4:3.Â
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