The Chase Freedom Flex edges out the Bank of America Unlimited Cash Rewards for most cardholders — it wins on 2 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 5x vs 1.5x). The Bank of America Unlimited Cash Rewards is the better choice if you prioritize a different rewards ecosystem.
Bank of America Unlimited Cash Rewards vs Chase Freedom Flex
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1.5x
- Chase Travel 5x
- Rotating Categories 5x
- Dining 3x
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Bank of America Unlimited Cash Rewards vs Chase Freedom Flex
Is the Bank of America Unlimited Cash Rewards or Chase Freedom Flex better for dining?
Bank of America Unlimited Cash Rewards has no dining bonus; Chase Freedom Flex earns 3x on dining.
Which has the higher signup bonus in 2026?
Bank of America Unlimited Cash Rewards currently offers $2 signup bonus (spend $1,000 in 3 months). Chase Freedom Flex offers 20,000 pts signup bonus (spend $500 in 3 months). Chase Freedom Flex has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Unlimited Cash Rewards and the Chase Freedom Flex?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and Chase Freedom Flex is from Chase, so they're governed by separate bank policies.