Chase Freedom Flex℠ vs Bank of America Unlimited Cash Rewards

Side-by-side comparison of Chase Freedom Flex℠ and Bank of America Unlimited Cash Rewards. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Chase Freedom Flex℠	Bank of America Unlimited Cash Rewards
Issuer	Chase	Bank of America
Network	Mastercard	Visa
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	1.00x	1.50x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Rotating Quarterly Categories	5.0%	1.5% (base)
Travel	5.0%	1.5% (base)
Restaurants	3.0%	1.5% (base)
Drugstores	3.0%	1.5% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	11.49% - 20.99%	18.24% - 28.24%
Cash Advance APR	21.74%	29.99%
Penalty APR	23.24%	29.99%
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	✓	—
Extended Warranty	✓	—
Purchase Protection	120 days	—
Return Protection	—	—
Roadside Dispatch	Pay-per-use	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard