Rubric ☰ Compare Categories Calculators Markets Ask How scoring works Home › Credit cards › Compare › PNC Cash Unlimited vs Chase Freedom Flex
PNC Cash Unlimited vs Chase Freedom Flex Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Chase Freedom Flex leads by None pts. Scores: PNC Cash Unlimited 57.9%, Chase Freedom Flex 77.3%.
Criterion scores (0–10) Annual fee Unlimited: 10.0 · Flex: 10.0 Rewards rate Unlimited: n/a · Flex: 6.0 Sign-up bonus Unlimited: n/a · Flex: 3.3 Intro 0% APR Unlimited: 0.0 · Flex: 7.1 Regular APR Unlimited: 7.2 · Flex: 7.7 Foreign transaction fee Unlimited: 10.0 · Flex: 10.0 Regulatory record (CFPB) Unlimited: n/a · Flex: 10.0 PNC Cash Unlimited Issuer PNC Type cash back Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31 Regular purchase APR 18.49%–29.24% variable files.consumerfinance.gov, 2025-12-31 Rewards not found pnc.com, 2026-10-12 Sign-up bonus (≈$) not found pnc.com, 2026-10-12 Intro APR none No intro APR shown pnc.com, 2026-10-12 Foreign transaction fee none files.consumerfinance.gov, 2025-12-31 Penalty APR up to 34.24% variable; from the agreement's pricing table (daily rate 0.09380%) files.consumerfinance.gov, 2026-06-30 Late fee up to $38 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 21 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.24% files.consumerfinance.gov, 2025-12-31 Chase Freedom Flex Issuer Chase Type cash back Annual fee $0 creditcards.chase.com, 2026-10-11 Regular purchase APR 18.49%–27.99% variable creditcards.chase.com, 2026-10-11 Rewards 5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% other creditcards.chase.com, 2026-10-11 Sign-up bonus (≈$) $250 $250 after $500 in 3 months (limited-time) creditcards.chase.com, 2026-10-11 Intro APR 15 months 0% intro APR 15 months on purchases and balance transfers creditcards.chase.com, 2026-10-11 Foreign transaction fee none Issuer page (2026-10-11) shows 0%; CFPB TCCP (2025-12-31) listed 3%. Newer issuer figure used. creditcards.chase.com, 2026-10-11 Penalty APR up to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30 Late fee up to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 21 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 28.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 18.24%–27.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Downsides PNC · cash back · limited data Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) APR 18.49%–29.24% variable Rewards not found Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 29.24% if you carry a balance · Penalty APR up to 34.24% · Late fee up to $38
Chase · cash back Annual fee $0 APR 18.49%–27.99% variable Rewards 5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% other Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.99% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40
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FAQ Which is better, PNC Cash Unlimited or Chase Freedom Flex? On VaultRubric's rubric: Chase Freedom Flex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.