topic Re: Chase Freedom vs Freedom Flex in Credit Cards

Chase Freedom vs Freedom Flex

Cory88 — Thu, 16 Dec 2021 14:18:20 GMT

I have the old Freedom Visa and my mum just opened up a Freedom Flex what is the difference between the two. Besides the Visa and MasterCard.

Re: Chase Freedom vs Freedom Flex

dragontears — Thu, 16 Dec 2021 14:20:31 GMT

@Cory88 wrote:
I have the old Freedom Visa and my mum just opened up a Freedom Flex what is the difference between the two. Besides the Visa and MasterCard.

Flex includes other categories like dining and pharmacies (I think).

Re: Chase Freedom vs Freedom Flex

NRB525 — Thu, 16 Dec 2021 15:18:41 GMT

Congrats to mum on the new Freedom Flex. This should have the 12-months to spend $12,000 on groceries at 5 points earning?

Re: Chase Freedom vs Freedom Flex

Hoben02 — Thu, 16 Dec 2021 15:32:07 GMT

I went for the old freedom just before it closed due to the fact if they keep the quarterly bonus at Costco or gas the flex would be useless. Unless you are willing to go thru the hassle of ordering Costco giftcards online

Re: Chase Freedom vs Freedom Flex

Cory88 — Thu, 16 Dec 2021 15:45:39 GMT

@NRB525 wrote:
Congrats to mum on the new Freedom Flex. This should have the 12-months to spend $12,000 on groceries at 5 points earning?

Yes, 5% on groceries. The big question in Jan 2022 5% category is that she will get 10%.

Re: Chase Freedom vs Freedom Flex

dragontears — Thu, 16 Dec 2021 16:11:00 GMT

@Cory88 wrote:
@NRB525 wrote:
Congrats to mum on the new Freedom Flex. This should have the 12-months to spend $12,000 on groceries at 5 points earning?
Yes, 5% on groceries. The big question in Jan 2022 5% category is that she will get 10%.

Not exactly, the exact numbers are 1% + 4% +4%

Re: Chase Freedom vs Freedom Flex

JFox418 — Thu, 16 Dec 2021 16:38:31 GMT

@dragontears wrote:
@Cory88 wrote:
@NRB525 wrote:
Congrats to mum on the new Freedom Flex. This should have the 12-months to spend $12,000 on groceries at 5 points earning?
Yes, 5% on groceries. The big question in Jan 2022 5% category is that she will get 10%.
Not exactly, the exact numbers are 1% + 4% +4%

Where's this info? I just want to make sure I understand it. I'm waiting for my Flex to come in the mail. I didn't see the %5 for a year on groceries but would like to verify it, that would be fantastic.

Re: Chase Freedom vs Freedom Flex

Loquat — Thu, 16 Dec 2021 23:05:07 GMT

@JFox418 wrote:
@dragontears wrote:
@Cory88 wrote:
@NRB525 wrote:
Congrats to mum on the new Freedom Flex. This should have the 12-months to spend $12,000 on groceries at 5 points earning?
Yes, 5% on groceries. The big question in Jan 2022 5% category is that she will get 10%.
Not exactly, the exact numbers are 1% + 4% +4%
Where's this info? I just want to make sure I understand it. I'm waiting for my Flex to come in the mail. I didn't see the %5 for a year on groceries but would like to verify it, that would be fantastic.

If you log into your account after the transaction post, Chase shows the breakdown of points earned for each transaction.

Re: Chase Freedom vs Freedom Flex

ptatohed — Fri, 17 Dec 2021 00:44:11 GMT

Wow, I just logged in to see my offers for my Freedom and they had Target at 10% for the next 25 days. I activated it. Several other offers but that was really the only one I would use. Sweet!

Re: Chase Freedom vs Freedom Flex

Aim_High — Fri, 17 Dec 2021 15:51:39 GMT

@dragontears wrote:
@Cory88 wrote:
I have the old Freedom Visa and my mum just opened up a Freedom Flex what is the difference between the two. Besides the Visa and MasterCard.
Flex includes other categories like dining and pharmacies (I think).

Yes. The old Freedom was a Visa and did not get the enhancements added to the "new" Freedom Flex as well as the "old" Freedom Unlimited when Chase revised the cards last year. The old Freedom just got 1% on everything plus 4 bonus point (5% total) on up to $1500 in quarterly spending on the rotating categories. The old Freedom card is no longer available for new applications.

The Freedom Flex gets the 1% and 4 bonus points but it ALSO earns:

5% on travel purchased through Chase Ultimate Rewards.
3% on dining at restaurants, including takeout and eligible delivery services.
3% on drugstore purchases.

And yes, Freedom Flex is a Mastercard. The fact that I got the new offers above on my Freedom Unlimited anyway and that I wanted the Visa card for use at Costco made me decide to keep it instead of product-changing into the Freedom Flex.

Re: Chase Freedom vs Freedom Flex

Anonymous — Fri, 17 Dec 2021 02:13:28 GMT

@Aim_High wrote:
And yes, Freedom Flex is a Mastercard. The fact that i got the new offers above on my Freedom Unlimited anyway and that I wanted the Visa card for use at Costco made me decide to keep it instead of product-changing into the Freedom Flex.

I think that is key! It's "obvious" that the Freedom Flex is a much better card than the Freedom, same 5% stuff and new uncapped categories, but for those into the Chase X-fecta, the new stuff is covered in exactly the same way on the CFU, so then the question of whether keeping it as a Visa for Costco (or other reason) can dominate.

Re: Chase Freedom vs Freedom Flex

Thediamond — Fri, 17 Dec 2021 03:20:19 GMT

Random question, but I have an old chase freedom that I opened way back in may 2013. Would my card be eligible to upgraded to the flex or would I have to apply for a brand new freedom card if I choose to?

Re: Chase Freedom vs Freedom Flex

M_Smart007 — Fri, 17 Dec 2021 04:08:32 GMT

@Thediamond wrote:
Random question, but I have an old chase freedom that I opened way back in may 2013. Would my card be eligible to upgraded to the flex or would I have to apply for a brand new freedom card if I choose to?

Hi @Thediamond ,

Give Chase a phone call.

They allowed me to Product Change an old Freedom to Freedom Flex.

The 6 Free months of Doordash were also added to the new card.

Maybe some other stuff, that I am not aware of.

Re: Chase Freedom vs Freedom Flex

Thediamond — Fri, 17 Dec 2021 05:17:35 GMT

Hi @M_Smart007 !

I'll go ahead and call them tomorrow and see if their willing to upgrade me to the flex.