Chase Freedom Unlimited vs Chase Sapphire Preferred Card | finder.com

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Chase Freedom Unlimited® vs Chase Sapphire Preferred® Card

Choose between tiered and flat-rate rewards.

Updated

Fact checked

The winner: Chase Freedom Unlimited®

Up to 5%

Cash back

  • Up to 5% cashback and an impressive 1.5% base cashback rate
  • 15 months of intro APR on purchases
  • No annual fee
Apply now
The Chase Freedom Unlimited® is best for simple rewards, as it offers unlimited 1.5% cash back for a $0 annual fee. Meanwhile, the Chase Sapphire Preferred® Card is superior if you’re adventurous, offering 2x points on travel and dining for a $95 annual fee. For optimal rewards value, you can combine rewards from the cards and transfer them to airline partners.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

See rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

See rates & fees

Finder rating
Finder rating

★★★★★

4.7 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Unlimited 1.5% cash back on every purchase
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

$200 after spending $500 in the first 3 months

60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.

Rewards
Rewards

5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases

5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

15.99% to 22.99% variable

Annual fee
Annual fee $0 $95
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable 15.99% to 22.99% variable
Cash advance
Cash advance

APR: 24.99% 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 3% of each transaction None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 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
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Compare Chase Freedom Unlimited® vs. Chase Sapphire Preferred® Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
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.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
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