Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

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

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
Learn more
Learn more

Read review

Compare Chase credit cards

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site