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Compare the Features and Benefits of Chase Freedom Unlimited® and
Delta SkyMiles® Platinum American Express 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
Secondary Car Rental CDW Waiver
Purchase Protection
Extended Warranty
Trip Protections
Free Access to Credit Score
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Annual Statement Credits
Free Checked Bags
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Cell Phone Protection
Travel and Emergency Assistance Services
No Fees for Authorized Users
No Foreign Transaction Fees
Amex Offers
Metal Card
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 Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Car Rentals

Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

5x Hotels

Earn this multiplier when you purchase via Chase Travel℠. 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
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
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 Chase Travel℠ 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 Chase Travel℠ 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
Secondary Car Rental CDW Waiver
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
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Cell Phone Protection
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Amex Offers
no
Metal Card
no
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x Hotels
2x Dining Out / Food Delivery

At restaurants, including takeout and delivery in the U.S.

2x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) 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

The Delta SkyMiles Platinum Amex card sits squarely between the ultra-premium (Reserve) and base-level annual-fee (Gold) Delta cards. While the $350 annual fee is still a sizable sum to consider, there’s a mile-long list of benefits for Delta loyalists.

With the Delta Platinum card, it’s not only easy to rack up thousands of SkyMiles from card spend alone, but you could spend your way to the finish line of Medallion status.

You’ll earn 3x bonus miles on Delta purchases and hotel bookings; 2x miles at restaurants worldwide and U.S. supermarkets; and 1x miles on all other eligible purchases.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

delta credit card

With your growing balance of Delta SkyMiles, you can book Delta award flights — and enjoy a 15% discount for being a cardholder. Beyond earning and redeeming miles, there are great ways to save money through the a Global Entry or TSA PreCheck application fee credit every 4.5 years, a first free checked bag on Delta flights, cell phone protection, trip coverage, and purchase protections.

Another key benefit that may move the needle for you is the annual roundtrip companion certificate, good for domestic, Caribbean, or Central American roundtrip flights in the Main Cabin. You’ll receive this reward after paying your card’s annual fee every account anniversary (after account opening). This allows you to book a second flight for a friend or family member for the cost of government imposed taxes and fees. Pick your route wisely, as you can easily save hundreds of dollars (and pay for the $350 annual fee) with the certificate alone. (Terms apply.)

And you’ll also receive up to $390 in statement credits each year with up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

In summary, if you like flying Delta but don’t think you can justify the cost of the higher annual fee for the Reserve level card, the Delta Platinum card may be the perfect fit for your travel needs.

Rates and fees for the Delta SkyMiles® Platinum American Express Card

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
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
Annual Statement Credits
yes
Free Checked Bags
yes
Priority Boarding
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Cell Phone Protection
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Amex Offers
yes
Metal Card
yes

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