Chase Sapphire Reserve® vs Chase Freedom Unlimited®
Compare Rewards, Interest Rates, Fees, and Benefits
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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Chase Freedom Unlimited, a cash back card? Read our comparison chart below.
Keep in mind, the Chase Sapphire Reserve has a
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Chase Sapphire Reserve® | Chase Freedom Unlimited® | |
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Credit Card Summary | ||
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Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | N/A | 0% introductory APR for 15 months |
| Introductory APR for Balance Transfers | N/A | 0% introductory APR for 15 months |
| Purchase APR | 22.49% to 29.49% Variable based on your creditworthiness and other factors | 20.49% to 29.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 22.49% to 29.49% Variable based on your creditworthiness and other factors | 20.49% to 29.24% Variable based on your creditworthiness and other factors |
| Foreign Transaction Fee | $0 | 3% of each transaction in U.S. dollars |
| Annual Fee | ||
Credit Card Rewards & Benefits | ||
| Introductory Bonus Cash Back | Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | |
| Introductory Bonus Offer | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. | |
| Cash Back Rewards | Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. | |
| Travel Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs | |
| Airline Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Hotel Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Point Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases | |
| Airline Status | $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select | |
| Dining Rewards | 3x points on dining at restaurants | Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services |
| Airline Transfer Partners | Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | |
| Go to issuer's official application, terms, and details | Go to issuer's official application, terms, and details | |
CreditDonkey® Credit Card Reviews | ||
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| Pros & Cons | Pros:
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| Bottom Line | Ultra premium credit card for luxury travelers... | Great cash back credit card for everyday purchases... |
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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. | ||
Articles on Chase Sapphire Reserve®
Chase Sapphire Reserve Review
With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.
Chase Sapphire Reserve Benefits
Chase Sapphire Reserve® has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.
Chase Sapphire Reserve Credit Score
You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.
Chase Sapphire Reserve Lounge Access
Airport lounge access is one of the best benefit of Chase Sapphire Reserve®. Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.
Chase Sapphire Reserve Rental Car Insurance
Chase Sapphire Reserve® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.
Chase Sapphire Reserve Credit Limit
Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass
Priority Pass membership is one of Chase Sapphire Reserve® best benefits. Here is everything you need to know to sign up, activate and use it.
Articles on Chase Freedom Unlimited®
Chase Freedom Unlimited
With a cash back offer and no annual fee, does Chase Freedom Unlimited® live up to the hype? Read this in-depth review to see how it stacks up.
Chase Freedom Unlimited Benefits
Besides unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited® offers valuable benefits. Don't overlook them.
Chase Freedom Unlimited Credit Score
Chase Freedom Unlimited® usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.
Chase Freedom Unlimited Foreign Transaction Fee
Chase Freedom Unlimited® may not be a good travel partner. Here's what you need to know about its foreign transaction fees.
Chase Freedom Unlimited Credit Limit
Many Chase Freedom Unlimited® users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.
Which Do You Like and Why?
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