Chase Freedom vs Freedom Flex

Cory88 · ‎12-16-2021

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.

dragontears · ‎12-16-2021

@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).

NRB525 · ‎12-16-2021

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

Hoben02 · ‎12-16-2021

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

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One

Cory88 · ‎12-16-2021

@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%.

dragontears · ‎12-16-2021

@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%

JFox418 · ‎12-16-2021

@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.

Loquat · ‎12-16-2021

@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.

ptatohed · ‎12-16-2021

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!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Aim_High · ‎12-16-2021

@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.

Business Cards

Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.