Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Chase Freedom Unlimited® vs Discover it® Cash Back

Do you want flat cash back or rotating categories?

Updated Jan 14, 2022. What changed?

Fact checked

The Chase Freedom Unlimited® earns a flat 1.5% cashback rate on all purchases and 6.5% back on Lyft rides until March 31, 2022. The Discover it® Cash Back on the hand, earns a 5% cashback rate on up to $1,500 in rotating quarterly categories. It earns 1% back after that and on all other purchases. Another consideration is the welcome offer: Chase offers an additional 1.5% back on all purchases on up to $20,000 spent within your first year of account opening while Discover it® Cash Back will match all cash back you earned at the end of the first year of account opening.

	Chase Freedom Unlimited® Terms apply, see rates & fees	Discover it® Cash Back Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 4.7 / 5.0	★★★★★ 4.8 / 5.0
Best for
Best for	Unlimited 1.5% cash back on every purchase	Rotating cash back categories with no annual fee
Welcome offer
Welcome offer	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back	Discover will match cash back earned at the end of your first card year
Rewards
Rewards	4.5% on dining at restaurants, including takeout and eligible delivery services, 4.5% on drugstore purchases, 6.5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
Purchase APR
Purchase APR	0% intro APR for 15 months, and then 19.24% to 27.99% variable	0% intro APR for 15 months, and then 15.74% to 26.74% variable
Annual fee
Annual fee	$0	$0
Balance transfer APR
Balance transfer APR	0% intro APR for 15 months (then 19.24% to 27.99%) $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days variable	0% intro APR for 15 months (then 15.74% to 26.74%) Intro fee of 3% of the amount of each transfer for transfers that post to your account by August 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer. variable
Cash advance
Cash advance	APR: 29.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 28.74% 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 $41
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	21 days	25 days
Minimum interest
Minimum interest	$0	$0.50
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more

Compare Chase credit cards

Thank you for your feedback!

Megan Horner

Megan Horner is head of publishing at Finder, where she leads a team that's focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University.

TD Cash Secured Credit Card review Wells Fargo Cash Wise Visa® Card vs Chase Freedom Unlimited®

More guides on Finder

Sable ONE Secured Credit Card Review
A user-friendly secured card with no credit check required.
Bread Cashback™ American Express® Credit Card review
A simple 2% cashback card that could benefit from extra features.
Aspire® Cash Back Reward Card Review
A credit building card held back by fees.
Corpay Mastercard® review
Earn 1.5% back on your eligible business purchases.
Aeroplan® Credit Card review
Chase’s new Air Canada card offers a big signup bonus.
Cleo Credit Builder card Review
A secured charge card with an unfortunate monthly fee.
Capital One Venture X Rewards Credit Card review
An excellent luxury travel card from Capital One.
Capital One Quicksilver Secured Cash Rewards Credit Card review
Qualify with bad credit and earn 1.5% on all purchases.
Revvi Card review
A card with far too many fees to properly serve its purpose.
9 exclusive experiences the Luxury Card Concierge® team delivered on
Including a breathtaking wedding proposal straight out of the movies.

Ask an Expert

Click here to cancel reply.

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.