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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.

Megan Horner

Updated Jan 14, 2021

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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 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 Rates & Fees	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
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 $40	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		Read review

Summary of card features

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®

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.
Don't pay an annual fee.

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

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Wells Fargo Cash Wise Visa® Card		$150 after spending $500 in the first 3 months	1.5% cash back on all purchases	$0		$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.	View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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