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

Chase Freedom®

Chase Sapphire Preferred® Card

 

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 14.24-23.24%
  • 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®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 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
  • Introductory Annual Fee of $0 the first year, then $95
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% Intro APR for 15 MonthsN/A
Introductory APR for Balance Transfers0% Intro 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 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 RewardsCash Back Rewards: Unlimited 1% cash back on all other purchases - it's automatic 
Bonus Cash BackBonus 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 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 (details TBA)
Q4 (October 1 – December 31, 2016): Holiday shopping (details TBA)
 
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 RewardsGas Rewards 
Dining Rewards Dining Rewards: 2X points per dollar spent dining at restaurants
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines and more.
Smart ChipSmart ChipSmart Chip
 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:
  • $150 bonus after you make $500 in purchases in your first 3 months
  • 5% bonus rotating categories
  • Full 1% cash back on every purchases
  • Intro APR
  • No annual fee
Cons:
  • 3% foreign transaction fee
Pros:
  • Generous bonus points
  • Travel, purchase and security protection
  • $0 intro 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 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.


Explore Chase Freedom® In-Depth

    Chase Freedom Review

    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

    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 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 RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
13.24% - 22.24% Variable
$0

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        About CreditDonkey®
        CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

        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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        *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.

        CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.