The Ultimate Guide to Credit Cards
Thursday, December 8, 2022

3 Key Differences — Chase “Slate” vs. “Freedom Flex” vs. “Freedom Unlimited”

Chase Slate Vs Freedom

credit card advice

Mike Randall

Written by: Mike Randall

Mike Randall

Mike Randall is an expert in the areas of credit scores and credit cards, having written on those topics for national publications for more than a decade. He graduated from California State University with a degree in English literature, and he has an extensive background in personal finance studies. Aside from credit cards and scores, Mike enjoys writing about changes in the subprime market and how they directly impact financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

As one of the largest credit card issuers in the world, Chase Bank has plenty of experience in meeting the needs of consumers. Chase knows there are different cards for different spending needs, which is why they offer a range of credit cards with a variety of features and rewards.

From frequent flyer programs to cash back bonuses to attractive balance transfer offers, Chase has a credit card to meet just about any consumer or business need.

Let’s take a close look at their most popular card offerings; Chase Freedom Flex℠, Chase Freedom Unlimited®, and Chase Slate to see which credit card might be right for you. Now, in comparing the Chase Slate vs. Freedom Flex vs. Freedom Unlimited, you may notice that all three cards provide a solid foundation when it comes to card features, but a closer look reveals that certain cards will excel in specific areas such as rewards or cash back.

Chase Freedom Flex | Freedom Unlimited | Chase Slate

1. Chase Freedom Flex℠: Cash Back Rewards with Bonus Categories

For consumers who love racking up the bonuses and rewards associated with some credit cards, the Chase Freedom Flex℠ may be the right choice. With this generous credit card, users can earn bonus cash back on purchases in rotating categories each quarter. You’ll also earn tiered cash back rates on travel, dining, and drugstore purchases plus 1% unlimited cash back on all other purchases you make.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
18.74% - 27.49% Variable
$0
Good/Excellent

The bonus categories rotate each quarter and can vary from gas and transportation to grocery purchases to restaurants and entertainment categories. Keep in mind the bonus category purchases are subject to a spend limit.

In addition, new cardholders can earn a sign-up bonus after spending a specified amount on purchases within the first three months of opening an account.

2. Chase Freedom Unlimited®: Cash Back without Rotating Categories

The Chase Freedom Unlimited® takes a simpler approach to earning cash back rewards. Sharing the same tiered-style cash rewards system, this card differs in that it provides a slightly higher baseline cash back reward on all other purchases made with the Chase Freedom Unlimited®, making this a very agreeable option for those who don’t like tracking quarterly categories.

This is an excellent choice for people who use their credit card frequently throughout the month for a variety of purchases, and who may not have the time to take full advantage of the bonus categories that the Freedom card offers.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 27.49%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
18.74% - 27.49% Variable
$0
Good/Excellent

And like the Chase Freedom Flex℠, the Chase Freedom Unlimited® comes with no annual fee, a sign-up bonus, and an introductory 0% APR for the duration of the promotional period on purchases.

3. Chase Slate: Industry-Leading Balance Transfer Card

The Chase Slate Edge℠ is specifically designed for those consumers with high credit card balances. It offers no cash back bonuses, reward points, or miles, but that’s actually a good thing.

Chase understands that incentives can entice people to use their card more, rather than paying down their balance. This card is for those who want to pay off card debt.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

  • Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 18.74% - 27.49% on balance transfers and purchases after the introductory period ends.
  • Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
  • Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
  • All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 18 months
0% Intro APR on Balance Transfers 18 months
18.74% - 27.49% Variable
$0
Good/Excellent

This card is a top contender for balance transfers, thanks to its long 0% APR period. But it also has a unique feature in that it gives cardholders the opportunity to earn a lower APR with responsible use. That’s a valuable perk for cardholders who tend to carry a balance from month to month.

Which Popular Chase Card Belongs in Your Wallet?

Since different spending habits require different types of credit cards, Chase has designed their credit card family to be as flexible as possible. Consumers who want to pay down debt as quickly as possible can do so using the Chase Slate Edge℠ — one of the industry’s top balance transfer cards.

For those who like to maximize their bonus points and rewards, the Chase Freedom Flex℠ card offers cash back on bonus categories. And for folks who want to keep things simple, yet still get the most cash back on all of their purchases, the Chase Freedom Unlimited® simply can’t be beat.

No matter your credit card purchase habits and needs, Chase has proven once again that they have the right card for you.

Advertiser Disclosure

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