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Updated December 18, 2014

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 FreedomChase Sapphire Preferred Card
 Apply for Chase FreedomApply for Chase Sapphire Preferred Card
 

Chase Freedom®

Chase Sapphire Preferred® Card

 

Credit Card Summary

 
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 1/1/15-3/31/15 at grocery stores (not including Walmart® and Target® purchases), movie theaters, and Starbucks® stores
  • You'll enjoy new 5% categories every 3 months like restaurants, gas stations, and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards(SM).
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
 

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 APR13.99% to 22.99% (Variable) based on your creditworthiness and other factors15.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR13.99% to 22.99% (Variable) based on your creditworthiness and other factors15.99% (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 $100 Bonus after you spend $500 on purchases in your first 3 months from account opening 
Introductory Bonus Reward Points Introductory Bonus Reward Points: Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate Rewards(SM)
Cash Back RewardsCash Back Rewards: Unlimited 1% Cash Back on all other purchases 
Bonus Cash BackBonus Cash Back: 5% cash back in new bonus categories every 3 months, on up to $1,500 in combined purchases. It's free and easy to activate your bonus each quarter.
Bonus Categories for 2014:
Q1 (January 1 – March 31, 2014): Gas stations, movie theaters and Starbucks® stores
Q2 (April 1 – June 30, 2014): Restaurants and Lowe’s® home improvement stores
Q3 (July 1 – September 30, 2014): Gas stations and Kohl’s®
Q4 (October 1 – December 31, 2014): Amazon.com, Zappos.com and select department stores

Bonus Categories for 2015:
Q1 (January 1 – March 31, 2015): Grocery stores (not including Walmart® and Target® purchases), movie theaters and Starbucks® stores
Q2 (April 1 – June 30, 2015): Restaurants and more
Q3 (July 1 – September 30, 2015): Gas stations and more
Q4 (October 1 – December 31, 2015): Amazon.com and more
 
Airline Rewards Airline Rewards: 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
Hotel Rewards Hotel Rewards
Point Rewards Point Rewards: 1 point per dollar spent on all other purchases
Travel Rewards Travel Rewards: 2X points per dollar spent on travel. 1:1 point transfer to participating frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
Dining Rewards Dining Rewards: 2X points per dollar spent dining at restaurants
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase FreedomChase Sapphire Preferred Card
Pros & ConsPros:
  • $100 bonus after you make $500 in purchases in your first 3 months
  • 5% bonus rotating categories
  • Full 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
Cons:
  • 3% foreign transaction fee
Pros:
  • Generous bonus points
  • Travel, purchase and security protection
  • $0 introductory annual fee for first year
Cons:
  • No intro APR
  • $95 annual fee
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
 Apply for Chase Freedom®Apply for Chase Sapphire Preferred® Card
What Others View

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 indicate either 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.


Articles on Chase Freedom®

    Chase Freedom $100 Bonus Cash Back Review

    March 14, 2012 - By David R - Reviews for Chase Freedom
    With its sign-up bonus, rotating 5% cash back categories, and 0% introductory APR for 15 months on purchases and balance transfers, the card is one of the most popular no-annual-fee rewards cards. Read this Chase Freedom review to see if this cashback credit card fits your lifestyle.

    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.


Articles on Chase Sapphire Preferred® Card

    paris

    Chase Sapphire Preferred Review

    December 9, 2011 - By David R - Reviews for Chase Sapphire Preferred
    The Chase Sapphire Preferred card offers a very generous point bonus and extra travel rewards to those with excellent credit. Keep in mind, the card does have a $95 annual fee. Read on to see if the Sapphire Preferred is worth it.

    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.


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Compare Chase Freedom to:

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Discover it®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 6 months
0% for 18 months
10.99% - 22.99% Variable*
Cash Back RewardsBonus Cash BackNo Limits on RewardsExtended Warranty
    Chase Slate

    Chase Slate®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% for 15 months
    0% for 15 months
    12.99%, 17.99%, or 22.99% (V)
      Blue Cash Everyday Card from American Express

      Blue Cash Everyday® Card from American Express

      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      0% on Purchases for 15 months
      0% on Balance Transfers for 15 months
      12.99% - 21.99% Variable
      Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards

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        Compare Chase Sapphire Preferred to:

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          Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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          14.99% or 18.99%* Variable
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            Blue Cash Preferred Card from American Express

            Blue Cash Preferred® Card from American Express

            Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
            0% on Purchases for 15 months
            0% on Balance Transfers for 15 months
            12.99% - 21.99% Variable
            Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards

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              *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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