WalletFlo is now Flo. Same app, same account, new name.

Freedom Unlimited vs Active Cash

Head to head on annual fee, rewards by category, and net value over a typical year of spending.

Head to head
CategoryFreedom UnlimitedActive Cash
  • Annual fee$0$0
  • Welcome bonus (est.)$2$1
  • Dining3%2%
  • Groceries1.5%2%
  • Gas1.5%2%
  • Travel5%2%
  • Online shopping1.5%2%
  • Entertainment1.5%2%
  • Transit1.5%2%
  • Everything else1.5%2%
Net annual value$581$511

The verdict

On a typical US spending profile the Freedom Unlimited comes out ahead — about $70 more in net annual value. But the winner for you depends on where you actually spend.

Before fees, Freedom Unlimited projects about $581 in rewards and Active Cash about $511. Put your own monthly numbers in and the order can change.

FAQ's

  • On a typical US spending profile, Freedom Unlimited delivers about $70 more in net annual value. Your winner depends on where you actually spend.

  • Freedom Unlimited: $0/year. Active Cash: $0/year.

  • Flo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.