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

Chase Freedom Unlimited® vs Chase Sapphire Preferred® Card

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Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

finder.com's rating
finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Unlimited cash back on all purchases
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer $150 cash back after spending $500 in the first 3 months 60,000 points after spending $4,000 in the first 3 months
Rewards
Rewards

1.5% cash back for each dollar spent

2x points on travel and dining. 1x points on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 17.24% to 25.99% variable

18.24% to 25.24% variable

Annual fee
Annual fee $0 $95
Balance transfers
Balance transfers

APR: 0% intro APR for 15 months, then 17.24% to 25.99% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 18.24% to 25.24% variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 27.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 27.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Late payment fee
Late payment fee Up to $38 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 21 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • Unlimited 1.5% cash back
  • Signup bonus of $150 cash back after you spend $500 on purchases in the first 3 months from account opening
  • Zero fraud liability

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Rewards for spending on travel and dining
  • 25% more value when you redeem points through Chase Ultimate Rewards
  • $95 annual fee

Compare credit cards

Name Product Welcome Offer Rewards Annual Fee
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
$150 cash back after spending $500 in the first 3 months
1.5% cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$200 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash back on your purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees

Compare up to 4 providers

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees

Compare up to 4 providers

Compare Chase credit cards

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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