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® credit card and the Chase Freedom Unlimited® credit card give you access to your credit score, come with no annual fee, have the same sign up bonus and offer an intro APR on balance transfers and purchases. The cards are nearly identical when it comes to features and fees, but what sets them apart are their rewards structures.

Figuring out which of these two cards is best for you comes down to this — do you want a simple rewards card or one that you can tailor your spending around to maximize rewards?

Chase Freedom® credit card

Chase Freedom® credit card

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited® credit card

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★★★★★

4.4 / 5.0

★★★★★

4.2 / 5.0
Welcome offer
Welcome offer Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Rewards
Rewards

Earn 5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1%. Earn 1% cash back on all other purchases.

Earn 1.5% unlimited cash back for each dollar spent

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

0% intro APR for 15 months, and then 16.99% to 25.74% variable

0% intro APR for 15 months, and then 16.99% to 25.74% variable

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

APR: 0% intro APR for 15 months, then 16.99% to 25.74% variable

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

APR: 0% intro APR for 15 months, then 16.99% to 25.74% variable

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

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% variable

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

Late payment fee
Late payment fee $38 $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 740 670
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® credit card

Chase Freedom® credit card

  • $150 signup bonus
  • Up to 5% cash back on rotating categories
  • Intro APR on purchases and balance transfers

The Chase Freedom® credit card will be a useful rewards card for someone with flexible spending habits because of its 5% cash back — on up to $1,500 in purchases for every quarter you activate (then 1%) — in bonus categories that change each quarter. On top of that, all other purchases earn 1% unlimited cash back.

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited® credit card

  • No annual fee
  • Unlimited 1.5% cash back
  • Zero fraud liability

The Chase Freedom Unlimited® credit card will reward all of your spending with unlimited 1.5% cash back so you don't have to chase points by making purchases in specific categories. This is a simple card that comes with a concierge service, travel accident insurance and purchase protection — just like the Chase Freedom®.

What’s next?

Your next step is to make the call if the Chase Freedom® credit card or the Chase Freedom Unlimited® credit card 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® credit card vs Bank of America® Cash Rewards credit card

Compare cash back credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.

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Compare more Chase credit cards

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Important Information*
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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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