The Ultimate Guide to Credit Cards
Wednesday, September 23, 2020

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

Chase Slate Vs Freedom

credit card advice

Mike Randall
By: Mike Randall
Updated: September 16, 2020
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 5% cash back on purchases in rotating bonus 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

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

The 5% bonus categories rotate each quarter and can vary from gas and transportation to grocery purchases to restaurants and entertainment categories. Any purchases made in these categories during the quarter earn an automatic 5% cash back.

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®: Fixed Cash Back on Everything

The Chase Freedom Unlimited® takes a simpler approach to earning cash back rewards. Sharing the same tiered system, this card differs in that users earn 1.5% 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

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

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

3. Chase Slate: Industry-Leading Balance Transfer Card

The Chase Slate® card 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.

Chase Slate Credit Card

  • Receive an introductory 0% APR offer on new purchases and balance transfers for 15 months
  • Pay no balance transfer fee during first 60 days
  • Pay  no annual fee

Instead, the Chase Slate card offers something more valuable to cardholders — an introductory no-fee balance transfer option and an extended 0% balance transfer period. This industry-leading balance transfer combination is a powerful tool for people with a lot of credit card debt, and who want to pay it down in the most effective way.

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® — the industry’s top balance transfer card.

For those who like to maximize their bonus points and rewards, the Chase Freedom Flex℠ card offers 5% 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.

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