accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet err-info-ico facebook facetwp-selections-arr filter-arr heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
💳 Get up to a $3,000 Early Spend Bonus on Spark Cash Plus 💵
< Compare other cards
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
VS

Compare the Features and Benefits of Chase Freedom Unlimited® and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Purchase Protection
Extended Warranty
Trip Protections
Free Access to Credit Score
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Secondary Car Rental CDW Waiver
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Roadside Assistance
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 20.49%-29.24% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 20.49%-29.24% thereafter)
Ongoing APR
20.49%-29.24% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1.5X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1.5X points.

5x Lyft
3x Dining Out / Food Delivery
3x Drugstores
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
INTRO OFFER: 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!
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This is a staple card in the Chase Trifecta, which includes a Chase Sapphire Preferred or Chase Sapphire Reserve, a Chase Freedom Flex, and this card, the Chase Freedom Unlimited.

The primary benefit of this card, from a bonus category perspective, is the ability to earn 1.5% on all purchases that don’t have a bonus category. So while you earn 3% on dining and drugstore purchases with the Freedom Unlimited, you’ll earn 1.5% cash back on anything else, like insurance or utilities.

drugstores-chase-freedom-unlimited

But since the Chase Freedom Unlimited is a pure cash back credit card unless you also have a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® with which to combine your Chase Ultimate Rewards points, it’s ideally used as a combo.

When you hold one of these premium Ultimate Rewards-earning credit cards, you can transfer points earned on the Freedom Unlimited to the premium card. Once you’ve moved the Ultimate Rewards over to the premium credit card, you can take advantage of points transfers to 12 Chase airline and hotel partners or book travel through the travel portal.

If you book through the travel portal and have a Sapphire Reserve, your points redeem for 1.5 cents each, meaning that you earn 1.5X points or cash back per dollar and redeem them for 1.5X, giving you an effective 2.25% return on your spend.

If you book through the travel portal and have a Sapphire Preferred, or Ink Business Preferred, your points redeem for 1.25 cents each, meaning that you earn 1.5X per dollar and redeem for 1.5X, giving you an effective 1.875% return on your spend.

But our absolute favorite way to redeem is always via airline and hotel transfer partners. The easiest high-value redemption is usually Hyatt. We often get better than 2 cents per World of Hyatt point. Keep in mind that Hyatt doesn’t charge any resort fees when you stay on a free night award. So let’s say you are looking at a hotel with a cash price of $259 and a $25 a night resort fee and 8% tax. That would come to $307 a night. But if that same room costs 8,000 or 12,000 Hyatt points, you could be using your points (which transfer at an even 1:1 ratio to all airline and hotel partners) with a rate of return of 3 – 4 cents.

That said, even without a card combo, it’s still a solid card to earn 1.5% cash back (plus 3% on dining, including takeout and eligible delivery services, and drugstores) since it has no annual fee. Best of all, you can accrue cash back on this card and decide to add a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Business Preferred® later on – if you suddenly decide that you’d like to delve into the world of credit card rewards that transfer to frequent flyer and hotel programs to book free award flights and hotel nights.

It comes with a solid range of benefits for a card with no annual fee, too. You’ll get Purchase Protection and Extended Warranty on the shopping side and you’ll be taken care of on canceled or shortened pre-paid trips if a covered reason arises. with the included Trip Cancellation/Interruption Insurance.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Secondary Car Rental CDW Waiver
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Ultimate Rewards, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Secondary Car Rental CDW Waiver
no
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes

Learn more about these cards today

Your account has been successfully created!