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Wells Fargo Cash Wise Visa® Card vs Chase Freedom Unlimited®

Two excellent credit cards with a flat cashback rate on all purchases.

Updated

Fact checked

The Chase Freedom Unlimited® and the Wells Fargo Cash Wise Visa® Card are nearly identical, both offering the same signup bonus and cashback rate. Even their fee structures are similar, so you might choose based on which issuer or rewards program you enjoy most.

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Rates & Fees

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Rates & Fees

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★★★★★

4.2 / 5.0
Best for
Best for
  • Flat cash back and a decent signup bonus
  • Earn unlimited 1.5 cash back on every purchase.
Welcome offer
Welcome offer

$150 after spending $500 in the first 3 months

$200 after spending $500 in the first 3 months

Rewards
Rewards

1.5% cash back on all purchases

3.5% on Lyft and 1.5% cash back on all other purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 13.99% to 25.99% variable

0% intro APR for 15 months, and then 12.99% to 24.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months, then 13.99% to 25.99% variable

0% intro APR for 15 months, then 12.99% to 24.74% variable

Cash advance
Cash advance

APR: 23.99% to 25.99% 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 3% of each transaction
Late payment fee
Late payment fee Up to $37 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $1 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Which card should you choose?

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

  • No annual fee
  • Unlimited 1.5% cash back
  • Earn 1.8% cashback for the first 12 months if you use the Android Pay or Apple Pay mobile wallet
  • Sign up bonus of $ when you spend $500 on purchases in the first 3 months

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Earn an unlimited, flat cash back rate of 1.5%.
  • Get a welcome offer of $200 after you spend $500 within your first 3 months of account opening.
  • Don't pay an annual fee.

Compare similar credit cards

Name Product Filter values Rewards Purchase APR Annual fee
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Visa® with Free Credit Score Access
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
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Compare up to 4 providers

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$5 or 3% of the transaction, whichever is greater
740
Earn rewards and enjoy a long intro APR period on purchases and balance transfers.
CardMatch™ from creditcards.com
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
680
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
12.9% to 22.9% variable
$5 or 3% of the transaction, whichever is greater
670
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
OpenSky® Secured Visa® Credit Card
N/A
300
A rare secured card with a 0% intro APR on purchases for the first 6 months, then 17.39% variable.
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Compare up to 4 providers

Compare Chase credit cards

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