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Blue Cash Everyday® Card from American Express vs Chase Freedom Unlimited®

Earn accelerated cash back on select categories or earn flat cashback rate on all purchases.

Megan Horner

Updated Jan 11, 2021

Fact checked

The winner: Blue Cash Everyday® Card from American Express

Up to 3%

Cash back

Everyday cashback: 3% at US supermarkets on up to $6,000 per year, then 1%
2% at US gas stations and select US department stores
No annual fee

Apply now Terms apply, see rates & fees

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Both the Blue Cash Everyday® Card from American Express and the Chase Freedom Unlimited® are cashback cards, but the Amex card comes with accelerated cashback at US supermarkets, US gas stations and at select US department stores, while the Freedom Unlimited comes with an impressive base cashback rate of 1.5% in addition to cashback on dining, Lyft, drugstore purchases and travel through Chase Ultimate Rewards.

	Blue Cash Everyday® Card from American Express Rates & Fees	Chase Freedom Unlimited® Rates & Fees
finder.com's rating
finder.com's rating	★★★★★ 4.6 / 5.0	★★★★★ 4.7 / 5.0
Best for
Best for	Cash back on groceries and gas	Unlimited 1.5% cash back on every purchase
Welcome offer
Welcome offer	$200 after spending $1,000 in the first 3 months	$200 after spending $500 in the first 3 months
Rewards
Rewards	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
Purchase APR
Purchase APR	0% intro APR for 15 months, and then 13.99% to 23.99% variable	0% intro APR for 15 months, and then 14.99% to 23.74% variable
Annual fee
Annual fee	$0	$0
Balance transfer APR
Balance transfer APR	N/A	14.99% to 23.74% variable
Cash advance
Cash advance	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 24.99% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	2.7% of each transaction	3% of each transaction
Late payment fee
Late payment fee	Up to $40	Up to $39
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	25 days	21 days
Minimum interest
Minimum interest	$0	$0
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more	Read review	Read review

Compare Blue Cash Everyday® Card from American Express vs. Chase Freedom Unlimited®

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Everyday® Card from American Express		$200 after spending $1,000 in the first 3 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0		This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...

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See rates and fees for Blue Cash Everyday® Card from American Express

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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Blue Cash Everyday® Card from American Express vs Chase Freedom Unlimited®