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Chase Freedom Unlimited® vs Chase Sapphire Preferred® Card

Choose between tiered and flat-rate rewards.

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 5x points on travel through Chase Ultimate Rewards, 3x points on dining, 2x points on all other travel and 1x points on all other purchases 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®

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.7 / 5.0

★★★★★

4.6 / 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, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year

60,000 points after spending $4,000 in the first 3 months.

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 travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel 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 $40 Up to $40
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
Learn more

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