Brianne Larch, WalletHub Credit Card Analyst No, the Chase Freedom Unlimited card is not metal, it is made of plastic.

Also, the Chase Freedom® is a Visa, while the Chase Freedom Flex℠ is a Mastercard. Does the Chase Freedom® earn cash back or points? Freedom-branded cards technically earn Chase Ultimate Rewards® points, which you can redeem for 1 cent apiece as cash back.

rewards credit card The Chase Freedom Unlimited® is an excellent rewards credit card for both amateur points and miles enthusiasts and the pros in the award travel field. The card earns cash back on every purchase, some of which qualify for bonus earnings, and the annual fee is $0.

The Chase Freedom Unlimited stands out as one of the most valuable no annual fee cash back cards on the market. It earns Chase Ultimate Rewards points, which can be redeemed for cash back at a 1:1 rate.

The difference is that the Chase Freedom Unlimited offers 1.5 percent cash back on all non-bonus spending (compared to 1 percent with the Chase Freedom Flex), and the Chase Freedom Flex offers 5 percent back (after activation) on up to $1,500 spent in quarterly bonus categories (then 1 percent).

The Chase Freedom Unlimited® has a foreign transaction fee of 3% of each transaction in U.S. dollars, as does its cousin card, Chase Freedom Flex℠. This means the fee charged will be 3% of the total transaction amount. Transaction fees are charged in addition to the cost of the purchase that triggers the fee.

The Chase Freedom Unlimited® runs on the Visa payment network, while the Chase Freedom Flex℠ is a Mastercard. In terms of acceptance, it doesn't matter much if you carry a Visa or a Mastercard. But Visa and Mastercard do offer some differing side perks.

Here's why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you're approved for the Visa Signature® version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.

The Chase Freedom Unlimited® has no annual fee, but you will pay foreign transaction fees, so it's not a good choice for international purchases. As with most other cards, the Chase Freedom Unlimited® charges fees for late and returned payments, cash advances, and balance transfers.

The Chase Freedom Unlimited® has a foreign transaction fee of 3% of each transaction in U.S. dollars, as does its cousin card, Chase Freedom Flex℠. This means the fee charged will be 3% of the total transaction amount. Transaction fees are charged in addition to the cost of the purchase that triggers the fee.

The difference is that the Chase Freedom Unlimited offers 1.5 percent cash back on all non-bonus spending (compared to 1 percent with the Chase Freedom Flex), and the Chase Freedom Flex offers 5 percent back (after activation) on up to $1,500 spent in quarterly bonus categories (then 1 percent).

To recap, good credit (a FICO® Score of 670 or higher) is recommended to get the Chase Freedom Unlimited® or the Chase Freedom Flex℠, as those are some of Chase's best credit cards. You'll also need to pass Chase's 5/24 rule, and it helps if you've been using credit for at least a year, too.