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® 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®

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
  • Unlimited cash back on all purchases
Welcome offer
Welcome offer $150 cash back after spending $500 in the first 3 months $150 cash back after spending $500 in the first 3 months
Rewards
Rewards

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

1.5% cash back for each dollar spent

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

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

Read review

Read review

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

The Chase Freedom® 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®

Chase Freedom Unlimited®

  • No annual fee
  • Unlimited 1.5% cash back
  • Signup bonus of $150 cash back after you spend $500 on purchases in the first 3 months from account opening
  • Zero fraud liability

The Chase Freedom Unlimited® 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® 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 Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.24% to 25.74% variable
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
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
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases.

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