Choosing between the Bank of America Unlimited Cash Rewards (no annual fee) and the Chase Freedom Flex (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
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 travel at 5% via portal. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | 1.5% | <strong>5%</strong> |
| Dining Rewards | 1.5% | <strong>3%</strong> |
| 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 groceries, gas spending.
Chase Freedom Flex wins on travel, dining.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.