Chase Freedom vs. Chase Freedom Unlimited | finder.com

Chase Freedom® vs. Chase Freedom Unlimited®

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Which Chase credit card is a better fit for your wallet?

Both the Chase Freedom® and the Chase Freedom Unlimited® are Visa cards and they offer similar perks. The main difference between the two is the rewards structure — Chase Freedom offers accelerated cash back on rotating categories, while the Freedom Unlimited offers flat cash back on all purchases.

To figure out which card may be best suited for your needs, check out the comparison table below.

Chase Freedom®

Chase Freedom®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

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

★★★★★

4.4 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Long intro APR period and cash back in rotating categories
  • First-year cash back boost and unlimited cash back
Welcome offer
Welcome offer $150 cash back after spending $500 in the first 3 months 3% cash back on all purchases in first year up to $20,000 spent, then 1.5% cash back on all purchases
Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

3% cash back on all purchases in first year up to $20,000 spent, then 1.5% cash back on all 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

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

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

Fee: $5 or 3% 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

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
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 $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

Which card should you choose?

Chase Freedom®

Chase Freedom®

  • $150 signup bonus
  • Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
  • Intro APR on purchases and balance transfers

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • 3% cash back offer for first year on up to $20,000, then unlimited 1.5% cash back
  • Zero fraud liability

What’s next?

Your next step is to make the call if the Chase Freedom® or the Chase Freedom Unlimited® is suitable for your spending needs. If so, all that’s left to do is apply. Some people even get both cards because of their compatibility and flexibility for transferring rewards between accounts.

But if neither sounds like a fit for your wallet, move on and continue your search for plastic practicality. Keep on comparing different types and brands of credit cards until you’ve found the right one for your needs.
Compare Chase Freedom® vs Bank of America® Cash Rewards credit card

Compare cash back credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$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
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
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
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.24% to 25.24% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.
3% cash back on all purchases in first year up to $20,000 spent, then 1.5% cash back on all purchases
0% intro for the first 15 months (then 17.24% to 25.99% variable)
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 15 months (then 17.24% to 25.99% variable)
$0
Earn $150 cash back after spending $500 in the first 3 months from account opening.
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
11.99% to 17.99% variable
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.

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