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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, a travel, airline, points 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.

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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 toward 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
 
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
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
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, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 

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
  • Flexible travel rewards
  • 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
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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.

    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.

    Which is Better: Chase Freedom or Chase Sapphire Preferred?

    Chase Freedom has no annual fee but the Sapphire Preferred is not to be overlooked. Consider using both: use Chase Freedom for the 5% categories and then combine your points with Chase Sapphire Preferred.


    Explore Chase Freedom In-Depth


    Explore Chase Sapphire Preferred® Card In-Depth


    Which Do You Think is Best?

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    Compare Chase Freedom to:

    Blue Cash Everyday

    Blue Cash Everyday® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      0% for 12 months
      0% for 12 months
      13.24% - 23.24% Variable
      Annual Fee
      $0
      Blue Cash Preferred

      Blue Cash Preferred® Card from American Express

      Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        0% for 12 months
        0% for 12 months
        13.24% - 23.24% Variable
        Annual Fee
        $95
        Amex EveryDay

        The Amex EveryDay® Credit Card from American Express

        Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards
          Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
          0% for 12 months
          0% for 12 months
          13.24% - 23.24% Variable
          Annual Fee
          $0

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          Compare Chase Sapphire Preferred to:

          Premier Rewards Gold Card

          Premier Rewards Gold Card from American Express

          Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
            Annual Fee
            Introductory annual fee of $0 for the first year, then $195
            American Express Platinum

            The Platinum Card® from American Express

            Introductory Bonus Reward PointsTravel RewardsAirline RewardsPoint Rewards
              Annual Fee
              $450
              Barclaycard Arrival Plus

              Barclaycard Arrival Plus™ World Elite MasterCard®

              Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel Rewards
                Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
                N/A
                0% for 12 months (on balance transfers made within 45 days of account opening)
                16.24%, 20.24% or 23.24% Variable
                Annual Fee
                $89 - Waived first year

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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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