Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bank of America® Unlimited Cash Rewards credit card (no annual fee) and the Chase Freedom Flex® Credit Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Bank of America Unlimited Cash Rewards earns more on groceries, gas, flights, hotels, other travel and other purchases, Chase Freedom Flex on dining. Enter your monthly spending above to see which comes out ahead for you.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $1,000 spend in 90 days | $250 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Dining Rewards | 1.5% | 3% |
| Rates with conditions not counted in the rows above |
None |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. |
Bank of America Unlimited Cash Rewards pulls ahead for travel, groceries, gas spending.
Chase Freedom Flex wins on dining.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.