Bank of America Unlimited Cash Rewards vs Chase Freedom Flex
Compare the Bank of America Unlimited Cash Rewards ($0/yr) against the Chase Freedom Flex ($0/yr) to see which card earns you more rewards based on your spending.
See how the Bank of America Unlimited Cash Rewards and Chase Freedom Flex stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| 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 | 1.5% | 1.0% |
| Travel Rewards | 1.5% | 5% |
| Dining Rewards | 1.5% | 3% |
| 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. |
| Issuer | Bank of America | Chase |
Quick Summary
The Bank of America Unlimited Cash Rewards has a $0 annual fee (same as Chase Freedom Flex).
Bank of America Unlimited Cash Rewards has a higher base reward rate (1.5% vs 1.0%).
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