Chase Freedom Unlimited® vs The Platinum Card® from American Express

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Chase Freedom Unlimited is a great cash back credit card for everyday purchases. How does it compare to American Express Platinum, a travel and airline charge card? Read our comparison chart below.

Keep in mind, the Chase Freedom Unlimited has a $0 annual fee, while the American Express Platinum has a $550 annual fee.

Charge Card vs Credit Card: Chase Freedom Unlimited® is a credit card while The Platinum Card® from American Express is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

	Chase Freedom Unlimited®	The Platinum Card® from American Express
	Personal Credit Card	Personal Charge Card
	0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum Unlimited 1.5% cash back on every purchase - it's automatic Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening No minimum to redeem for cash back Cash Back rewards do not expire as long as your account is open Free credit score, updated weekly with Credit Journey℠ No annual fee	Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com. Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More. $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required. $550 annual fee. Terms Apply. See Rates & Fees
	Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	N/A
Purchase APR	16.74% to 25.49% Variable based on your creditworthiness and other factors	N/A
Balance Transfers APR	16.74% to 25.49% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	3% of each transaction in U.S. dollars	No foreign transaction fee
Annual Fee	$0 annual fee	$550 annual fee
	Card Rewards & Benefits
Introductory Bonus Cash Back	Introductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Introductory Bonus Reward Points		Introductory Bonus Reward Points: Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Cash Back Rewards	Cash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!
Travel Rewards		Travel Rewards
Airline Rewards		Airline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Hotel Rewards		Hotel Rewards: 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards		Point Rewards: Earn 1 point for virtually every dollar spent.
Airline Status		Airline Status: $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply. Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status		Hotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest). Enroll for complimentary Hilton Honors Gold Status. Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
Airline Transfer Partners		Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Card Reviews
Pros & Cons	Pros: Unlimited 1.5% cash back $150 bonus offer Intro APR Cons: Foreign transaction fee	Pros: Travel benefits 60,000 bonus points after you spend $5000 in first 3 months Concierge service Cons: $550 annual fee
Bottom Line	Great cash back credit card for everyday purchases... Read full review	Excellent charge card for frequent travelers... Read full review
What Others View	Chase Sapphire Preferred Blue Cash Everyday	American Express Gold Card Chase Sapphire Preferred American Express Business Platinum Blue Cash Preferred Starwood Preferred Guest Barclaycard Arrival Plus Blue Cash Everyday Gold Delta SkyMiles Chase Sapphire Reserve
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Explore Chase Freedom Unlimited® In-Depth

Chase Freedom Unlimited Review
With 1.5% cash back and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up.
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Chase Freedom Unlimited Rewards
With 1.5% cashback on everything, Chase Freedom Unlimited lets you rack up rewards fast. Learn other ways to earn tons of points and your redemption options.
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Chase Freedom Unlimited Benefits
Besides an unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited offers valuable benefits. Don't overlook them.
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Chase Freedom Unlimited Foreign Transaction Fee
Chase Freedom Unlimited may not be a good travel partner. Here's what you need to know about its foreign transaction fees.

Chase Freedom Unlimited Credit Score
Chase Freedom Unlimited usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.

Explore The Platinum Card® from American Express In-Depth

Amex Platinum Review
Is the Platinum Card® from American Express worth the $550 annual fee? Read this in-depth review to help you decide.
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American Express Platinum Credit Score
The average The Platinum Card® from American Express cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.
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American Express Platinum
Here are 10 steps to take immediately after you get the Platinum Card® from American Express. Don't overlook these perks.
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American Express Platinum Benefits
At $550, the Platinum Card® from American Express has a hefty annual fee. Are the benefits worth it? Read this in-depth guide on how to make the best use of the benefits.

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Compare Chase Freedom Unlimited to:

Capital One® Quicksilver® Cash Rewards Credit Card Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% intro on purchases for 15 months 0% intro on balance transfers for 15 months 14.74% - 24.74% (Variable) Annual Fee $0

Chase Sapphire Preferred® Card Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 17.74% - 24.74% Variable Annual Fee $0 Intro for the First Year, then $95

Blue Cash Everyday® Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% on Purchases for 15 months 0% on Balance Transfers for 15 months 14.99% - 25.99% Variable Annual Fee $0

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Compare American Express Platinum to:

American Express® Gold Card Terms Apply | Read Review | See Rates & Fees Annual Fee $250

The Business Platinum® Card from American Express OPEN Terms Apply | Read Review | See Rates & Fees Annual Fee $450

Blue Cash Preferred® Card from American Express Terms Apply | Read Review | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR 0% on Purchases for 12 months 0% on Balance Transfers for 12 months 14.99% - 25.99% Variable Annual Fee $95

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