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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.

The winner: Chase Freedom Unlimited®

Up to 5%

Cash back

  • Up to 5% cashback and an impressive 1.5% base cashback rate
  • 15 months of intro APR on purchases
  • No annual fee
See offer
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. You’ll now also earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year. This excludes Walmart and Target purchases.

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

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

$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first yeares) on up to $12,000 spent 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 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

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 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.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first yeares) on up to $12,000 spent in the first year
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.
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