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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

 
  • Named a Best Card for Cash Back by MONEY® Magazine
  • 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%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • 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®
  • 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-enabled for enhanced security and wider acceptance
  • 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
  • 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 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®
Cash Back RewardsCash Back Rewards: Unlimited 1% Cash Back on every purchase 
Bonus Cash BackBonus Cash Back: 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter 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 and more
 
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: 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
Dining Rewards Dining Rewards: 2X points per dollar spent dining at restaurants
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:
  • $100 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
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

    March 14, 2012 - By David R - Reviews for Chase Freedom
    Want to earn cash back and score a good deal? With its $100 bonus offer, rotating 5% cash back categories, and 0% intro APR on purchases and balance transfers for 15 months, this card might be the one for you. Read this Chase Freedom review to see why it is one of the most popular cashback credit cards with no annual fee.

Explore Chase Sapphire Preferred® Card In-Depth


Recent Mentions


Compare Chase Freedom to:

Chase Slate
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
12.99%, 17.99%, or 22.99% Variable
$0

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
12.99% - 21.99% Variable
$0

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