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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.

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Megan Horner
Updated . What changed?
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 and 5% back on Lyft rides until March 31, 2022.

Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

Terms apply, see rates & fees

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Terms apply, see rates & fees
Finder rating
Finder 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

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back
Rewards
Rewards

1.5% cash back on all purchases

3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.49% to 24.99% 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 14.49% to 24.99% variable

0% intro APR for 15 months, then 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 $40
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
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