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Chase Freedom Unlimited® vs Discover it® Cash Back

Do you want flat cash back or rotating categories?

The winner: Chase Freedom Unlimited®

Chase Freedom Unlimited® logo

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
See offer
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Megan Horner
Updated
Fact checked

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 $200 cash back for spending $500 within your first 3 months 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

$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 yeares) on up to $12,000 spent in the first year

Discover will match cash back earned at the end of your first card year
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

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 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
Learn more
Learn more

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Compare Chase Freedom Unlimited® vs. Discover it® Cash Back

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Unlimited®
Chase Freedom Unlimited®
$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 yeares) on up to $12,000 spent in the first year
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.
See offer
View details
Discover it® Cash Back
Discover it® Cash Back
Discover will match cash back earned at the end of your first card year
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
View details
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