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Chase Freedom® vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom is an excellent cash back credit card for cardholders who pay in full. How does it compare to Chase Sapphire Preferred, an airline, points, travel and restaurant credit card? Read our comparison chart below.

Keep in mind, the Chase Freedom has a $0 annual fee, while the Chase Sapphire Preferred has a Introductory Annual Fee of $0 the first year, then $95.

 

Chase Freedom®

Chase Sapphire Preferred® Card

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 15 monthsN/A
Purchase APR14.24% to 23.24% Variable based on your creditworthiness and other factors16.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfers APR14.24% to 23.24% Variable based on your creditworthiness and other factors16.24% to 23.24% Variable based on your creditworthiness and other factors
Annual Fee$0 annual feeIntroductory Annual Fee of $0 the first year, then $95
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. 
Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®.
Cash Back RewardsCash Back Rewards: Unlimited 1% cash back on all other purchases. 
Bonus Cash BackBonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2016:
Q1 (January 1 – March 31, 2016): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2016): Grocery stores (not including Walmart®, Target®, discount or warehouse club store purchases)
Q3 (July 1 – September 30, 2016): Restaurants and Wholesale Clubs
Q4 (October 1 – December 31, 2016): Department Stores, Wholesale Clubs and Drug Stores
 
Airline Rewards Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Travel Rewards Travel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Dining Rewards Dining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines and more.
Smart ChipSmart ChipSmart Chip
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Generous bonus points
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • Introductory Annual Fee of $0 the first year, then $95
  • No intro APR
Bottom LineExcellent cash back credit card for cardholders who pay in full... Read full reviewHigh-earning rewards card for those with excellent credit... Read full review
 Learn More for Chase FreedomApply Now for Chase Sapphire Preferred Card
What Others View

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    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: This content is not provided by Chase. 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 Chase.

    Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on July 4, 2016 from published websites and are believed to be accurate, but not guaranteed.


    Explore Chase Freedom® In-Depth

      Chase Freedom Review

      Chase Freedom is one of the best credit cards for cash back, if used the right way. If not, there are drawbacks. Read on for the pros and cons to determine if this card is right for you.

      Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


    Explore Chase Sapphire Preferred® Card In-Depth

      Rome

      Chase Sapphire Preferred Review

      Do you like to travel? Travel credit cards can help you earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred. It has a huge bonus point offer and premium travel benefits. But the card has a $95 annual fee. Read on to see if the Sapphire Preferred is worth it.
      Chase Sapphire Preferred Announces Big Intro Bonus

      Chase Sapphire Preferred Announces Big Intro Bonus

      If you have great credit and like to travel, there is good news today. Chase Sapphire Preferred now offers 50,000 bonus points to new cardholders who spend $4,000 within the first 3 months. 50,000 bonus points is worth $500 in cash (as a statement credit) or $625 in travel when you redeem through Chase Ultimate Reward, their online travel portal. This is a significant increase from their previous 40,000 bonus point offer. It is one of the best signup bonus promotions we've seen on ...

      Chase Sapphire Preferred Benefits

      Chase Sapphire Preferred offers many benefits, some you might not even know about. Read this guide to learn about the benefits this card has to offer.

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    Compare Chase Freedom to:

    Blue Cash Everyday Card from American Express
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% for 12 months
    0% for 12 months
    13.24% - 23.24% Variable
    $0

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          About CreditDonkey®
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          Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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