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Chase Freedom Unlimited® vs Discover it® Cash Back

Do you want flat cash back or rotating categories?

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Megan Horner
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The Chase Freedom Unlimited® earns a flat 1.5% cashback rate on all purchases and 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®

Chase Freedom Unlimited®

Terms apply, see rates & fees

Discover it® Cash Back

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

3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 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 14.99% to 23.74% variable

0% intro APR for 14 months, and then 11.99% to 22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

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

0% intro APR for 14 months, then 11.99% 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 25 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
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