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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 similar, both offering the same cashback rate on all purchases. However, with the recent changes, Chase Freedom Unlimited® has gotten a slightly higher signup bonus, plus you get to earn 5% back at grocery stores on up to $12,000 for the first year, and 5% back on Lyft rides until March 31, 2022.

This gives the Chase Freedom Unlimited® card a massive reward value over the Wells Fargo Cash Wise Visa® Card.

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Rates & Fees

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Rates & Fees

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

★★★★★

4.6 / 5.0

★★★★★

4.7 / 5.0
Best for
Best for
  • Flat cash back and a decent signup bonus
  • 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, plus 5% cash back at grocery stores on up to $12,000 in the first year

Rewards
Rewards

1.5% cash back on all purchases

5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% 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 14.99% to 23.74% 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

14.99% to 23.74% 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

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Summary of card features

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 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and an impressive 1.5% on all other purchases.
  • Get a signup bonus of $200 after you spend $500 within your first 3 months of account opening.
  • You'll also earn 5% cash back at grocery stores on up to $12,000 in the first year (then 1.5%).
  • Don't pay an annual fee.

Compare similar credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
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 13.99% to 23.99% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Blue Cash Preferred® Card from American Express
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 13.99% to 23.99% variable)
$95
6% cash back at US supermarkets. Rates & fees
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
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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® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
740
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Blue Cash Everyday® Card from American Express
N/A
670
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Unlimited®
14.99% to 23.74% variable
$5 or 5% of the transaction, whichever is greater
670
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
Chase Freedom Flex℠
14.99% to 23.74% variable
$5 or 5% of the transaction, whichever is greater
670
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
740
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
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Compare up to 4 providers

Compare Chase credit cards

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