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Bank of America Cash Rewards vs Chase Freedom Unlimited®

Compare Rewards, Interest Rates, Fees, and Benefits

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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.

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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 days0% introductory APR for 15 months
Purchase APR18.24% to 28.24% Variable APR on purchases based on your creditworthiness and other factors20.49% to 29.24% Variable based on your creditworthiness and other factors
Balance Transfers APR18.24% to 28.24% Variable APR on balance transfers based on your creditworthiness and other factors20.49% to 29.24% 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 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.
Cash Back RewardsEarn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% cash back on all other purchasesEnjoy 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.
Grocery RewardsEarn 2% cash back at grocery stores (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) 
Dining Rewards Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Intro Cash Back Offer
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineGreat cash back credit card for everyday purchases... Read full review
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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: 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 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 August 1, 2023 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 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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Chase Freedom Unlimited Review: Is It Good?

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.

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For rates and fees of the Blue Cash Everyday® Card from American Express card, please click here.

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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