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Card
Chase Freedom Unlimited credit cardChaseFreedom Unlimited
Chase Sapphire Preferred credit cardChaseSapphire Preferred
Best for
Simple everyday rewards
Travel rewards with a moderate annual fee
Annual fee
$0
$95
Rewards rate
1.5%–5%
1x–5x
Rewards
1.5% on everyday purchases, 3% on dining and drugstores, and 5% through Chase Travel.
5x through Chase Travel; 3x on dining, gas and EV charging, select streaming, online grocery, and eligible vacation-home rentals; and 2x on other travel.
Intro and ongoing APR
0% intro APR for 15 months on purchases and balance transfers; then 18.24%–27.74% variable APR.
No 0% intro APR; 19.24%–27.49% variable purchase APR.
Foreign transaction fee
Foreign transaction fee applies.
No foreign transaction fee.
Why Cardwell likes it
Low-maintenance cash back with elevated dining and drugstore rewards.
Transferable travel points and useful everyday categories at a moderate annual fee.
Pros
Simple everyday rewards · Dining and drugstore spending · Chase rewards users
Travel rewards with a moderate annual fee · Dining and everyday bonus categories · Transferable Chase points
Cons
The highest travel rate requires Chase Travel. · A foreign transaction fee applies.
It carries a $95 annual fee. · The highest travel rate requires Chase Travel.
Not ideal for
Users focused primarily on international spending · Category maximizers
$0-fee-only users · Flat cash-back seekers
Next step
Apply / learn more
Review on Chase

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