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The Chase Freedom Flex℠ and Chase Freedom Unlimited® are some of the most popular credit cards on the market for a few big reasons:

Chase has tweaked the current offers for these cards to help you amass rewards more quickly. But there’s a trick to finding each deal — you won’t find the same application links everywhere. Here’s what you need to know.

How good are Chase Freedom credit cards?

Both of these Chase Freedom cards offer great return rates on everyday spending.

Here’s what the Chase Freedom Flex℠ gets you:

Read more: Chase Freedom Flex review

Here’s what the Chase Freedom Unlimited® gets you:

  • 5% cash back on travel purchased through Chase Ultimate Rewards
  • 3% cash back on dining and drugstore purchases
  • 1.5% cash back on all other eligible purchases

Read more: Chase Freedom Unlimited review

Now, Chase has modified each card’s welcome bonus.

Chase Freedom Flex and Freedom Unlimited offer: 5% back at gas stations

Both cards offer a $200 bonus after spending $500 on purchases within the first three months from account opening. But you’ll now get a big boost at gas stations — 5% cash back at gas stations during your first 12 months of account opening (on up to $6,000 in purchases, then 1% on the Flex or 1.5% on the Unlimited).

How to find this offer

If you want this $200 bonus with 5% bonus at gas stations, you’ll have to apply directly with Chase. Insider does not offer a link to this deal.

Read more: The best credit cards for gas purchases

Alternate Chase Freedom Unlimited offer: Bonus 1.5% back for all purchases

Regular APR

14.99% – 23.74% Variable APR

Credit Score

Good to Excellent

Featured Reward

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

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  • Pros & Cons
  • Details

  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    Cons
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • 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 14.99% – 23.74%.
    • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® 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.

    Read Our Review
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    If you prefer, there’s also an offer for the Chase Freedom Unlimited® that gives you an additional 1.5% back on all purchases during your first 12 months of account opening (on up to $20,000 in spending). That means your earning rates in the first year, up to spending limits, become:

    • 6.5% cash back on travel purchased through Chase Ultimate Rewards
    • 4.5% cash back on dining and drugstore purchases
    • 3% cash back on all other eligible purchases

    That’s incredible output for a no-annual-fee card — and likely more useful for most customers than 5% back at gas stations. If you manage to spend $20,000 within your first year, you’ll have earned $300 in bonus cashback.

    But unlike the previous card offers, you won’t get an extra $200 bonus after meeting minimum spending requirements.

    How to find this offer

    You can apply for this offer here: Chase Freedom Unlimited®. You won’t find the deal if you head directly to Chase.

    Which offer is better for you?

    Let’s first establish that if you’re interested in the Chase Freedom Flex, you should apply directly with Chase. That’s the only place you’ll find the offer that provides 5% cash back at gas stations.

    If you’re trying to decide between Chase Freedom Unlimited offers, let’s examine which is better.

    The potential bonus cash back when applying for the Chase Freedom Unlimited® with Chase is $410:

    • $200 after spending $500 on purchases in the first three months from account opening
    • 3.5% bonus cash back at gas stations on up to $6,000 in spending during your first year of cardmembership (since the card already earns 1.5% on those purchases)

    The potential bonus cash back you’d earn when applying for the Chase Freedom Unlimited® through Insider is $300:

    • No lump-sum cash bonus after meeting minimum spending requirements
    • 1.5% bonus cash back for all purchases on up to $20,000 in spending during your first year of cardmembership

    As you can see, your bonus cash back potential is greater by applying directly with Chase. The $200 bonus is convenient and guarded by a very accessible spending requirement. You’ll have to spend an average of $500 per month at gas stations to get the full value from this offer, however.

    Insider’s offer bonuses all spending (not just gas stations) by 1.5%. But you’d have to spend $13,334 just to account for the $200 bonus you forfeited by not applying through Chase. And the $20,000 you’d have to spend to get the full value from this offer is a lot. You could better use that spending to potentially open new travel credit cards and earn hundreds (even thousands) of dollars more in sign-up bonuses.

    Chase Freedom “cash back” is more valuable than it appears

    The Chase Freedom credit cards are marketed as cash-back cards, but the rewards they earn are actually Chase Ultimate Rewards points. That’s where their real power lies.

    You can redeem them for cash at a rate of 1 cent each. But if you also hold either the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Unlimited® Credit Card, you can:

    No matter how you prefer to redeem your rewards, both Chase Freedom cards allow you to earn cash and points quickly. The ability to earn 5% cash back (5x points) on all gas station purchases or 3% cash back (3x) on everyday spending is impressive — again, considering there’s no annual fee involved.

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