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Chase Freedom® vs Chase Sapphire Preferred® Card
Do you want plentiful rewards or a great card for travel?
Credit Card Guides
The Chase Freedom® and Chase Sapphire Preferred® Card are both terrific cards in the Ultimate Rewards line and part of the “Chase Trifecta” for earning maximum points. The Chase Freedom® has rotating categories that offer 5% back on up to $1,500 in spending each quarter you activate. You’ll earn 1% back after that and on everything else. The Chase Sapphire Preferred® Card earns 2x points on travel and dining, and 1x points on everything else. However, the Chase Sapphire Preferred® Card also allows you to transfer your points to other loyalty programs or redeem them for 1.25x their value through the Chase travel portal.
It’s no wonder that many cardholders tend to choose both!
Which card should you choose?
Chase Freedom®
- Easy-to-earn cash signup bonus and first-year cash back bonus
- Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
- Intro APR on purchases
Chase Sapphire Preferred® Card
- Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $750 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
- Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
- Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.
The winner: both
There’s no real winner between these card: while both are rewards cards, they aim to occupy a different spot in your wallet. The Chase Freedom® is terrific for earning on rotating categories, while the Chase Sapphire Preferred® Card would fill the need for a travel rewards card. Many consumers choose to pick up both if they’re invested in the Chase ecosystem.
With that said, there are other great rewards cards out there. Take a look at options from other providers to find one that best suits your finances and spending needs.
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