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.
Credit Card Summary
- Earn a $150 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%
- 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 Select Grocery Stores
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards never expire as long as your account is open
- No annual fee
- Earn 50,000 bonus points when 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®
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
- 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
- Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
- 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 Purchases||0% Intro APR for 15 Months||N/A|
|Introductory APR for Balance Transfers||0% Intro APR for 15 Months||N/A|
|Purchase APR||13.99% to 22.99% Variable based on your creditworthiness and other factors||15.99% Variable based on your creditworthiness and other factors|
|Balance Transfers APR||13.99% to 22.99% Variable based on your creditworthiness and other factors||15.99% Variable based on your creditworthiness and other factors|
|Annual Fee||$0 annual fee||Introductory Annual Fee of $0 the first year, then $95|
Credit 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 50,000 bonus points when 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 Rewards||Cash Back Rewards: Unlimited 1% cash back on all other purchases - it's automatic|| |
|Bonus Cash Back||Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
It's free and easy to activate your bonus each quarter.|
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, Bed Bath & Beyond®, H&M®, and Overstock.com®
Q3 (July 1 – September 30, 2015): Gas stations and Kohl's®
Q4 (October 1 – December 31, 2015): Amazon.com, Zappos.com, Audible.com, and Diapers.com | |
|Airline Rewards|| ||Airline Rewards: 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points|
|Hotel Rewards|| ||Hotel Rewards|
|Point Rewards|| ||Point Rewards: Earn 2X points on travel and dining at restaurants & 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 leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points|
|Gas Rewards||Gas Rewards|| |
|Dining Rewards|| ||Dining Rewards: 2X points per dollar spent dining at restaurants|
|Smart Chip||Smart Chip||Smart Chip|
| ||Go to issuer's official application, terms, and details||Go to issuer's official application, terms, and details|
CreditDonkey® Credit Card Reviews
|Pros & Cons||Pros:|
- $150 bonus after you make $500 in purchases in your first 3 months
- 5% bonus rotating categories
- Full 1% cash back on every purchases
- 0% intro APR on purchases and balance transfers for 15 months
- No annual fee
- 3% foreign transaction fee
- Generous bonus points
- Travel, purchase and security protection
- $0 intro annual fee for first year
- No intro APR
- $95 annual fee
|Bottom Line||Excellent cash back credit card for cardholders who pay in full... Read full review||High-earning rewards card for those with excellent credit... Read full review|
|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.
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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.
Explore Chase Freedom® In-Depth
If you want to earn cash back, you may consider the Chase Freedom. But wait. Read on to learn why this rewards credit card could be good for you — and why it has potential drawbacks.
Explore Chase Sapphire Preferred® Card In-Depth
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 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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If you have excellent credit, now is the time to take advantage of it.
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Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.
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