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Bank of America Cash Rewards vs Chase Freedom Unlimited

Compare Rewards, Interest Rates, Fees, and Benefits

Bank of America Cash Rewards is a cash back credit card. How does it compare to Chase Freedom Unlimited, a cash back card? Read our comparison chart below.

 

Bank of America® Customized Cash Rewards credit card

Chase Freedom Unlimited®

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% Introductory APR on purchases for 15 billing cycles0% introductory APR for 15 months
Introductory APR for Balance Transfers0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 daysN/A
Purchase APR13.99% to 23.99% Variable APR on purchases based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APR13.99% to 23.99% Variable APR on balance transfers based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account openingEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Cash Back RewardsEarn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchasesEarn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
Grocery RewardsEarn 2% at grocery stores (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) 
Dining Rewards Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • $200 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineGreat cash back credit card for everyday purchases... Read full review
 Read Chase Freedom Unlimited Review

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: 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 any card issuer.

Disclaimer: The information for the Bank of America® Customized Cash Rewards credit card and Chase Freedom Unlimited® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Bank of America Cash Rewards: Pricing information including interest rates, rewards, benefits and fees was obtained on April 9, 2020 from published websites and is believed to be accurate, but not guaranteed.

Chase Freedom Unlimited: Pricing information including interest rates, benefits and fees was obtained on June 3, 2020 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Bank of America Cash Rewards or Blue Cash Everyday.


Articles on Chase Freedom Unlimited®

Chase Freedom Unlimited

With a $200 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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Compare Chase Freedom Unlimited to:

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95

Blue Cash Everyday
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

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

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

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