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Chase Freedom Unlimited vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom Unlimited is a great cash back credit card for everyday purchases. How does it compare to American Express Gold, a points credit card? Read our comparison chart below.

 Read Chase Freedom Unlimited ReviewApply Now
 

Chase Freedom Unlimited®

American Express® Gold 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 APR14.99% to 23.74% Variable based on your creditworthiness and other factorsSee Rates & Fees
Balance Transfers APR14.99% to 23.74% Variable based on your creditworthiness and other factorsSee Rates & Fees
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual fee$250 annual fee
 Terms Apply. See Rates & Fees
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. 
Introductory Bonus Offer Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Cash Back RewardsEarn unlimited 1.5% cash back on all purchases. 
Airline Rewards 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Point Rewards Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline Status $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Grocery Rewards 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining Rewards 4X Membership Rewards® points when you dine at restaurants worldwide.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • $150 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineGreat cash back credit card for everyday purchases... Read full reviewGood rewards card for cardholders who fly frequently or eat out... Read full review
 Read Chase Freedom Unlimited ReviewApply Now
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: 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 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.

Chase Freedom Unlimited: Pricing information including interest rates, benefits and fees was obtained on March 1, 2020 from published websites and is believed to be accurate, but not guaranteed.


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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
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
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% - 23.99% Variable
$0

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Compare American Express Gold to:

American Express Platinum

The Platinum Card® from American Express

Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/AN/A
Annual Fee
$550
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% on purchases for 12 months
0% on balance transfers for 12 months
12.99% - 23.99% Variable
Annual Fee
$95
Delta SkyMiles Gold

Delta SkyMiles® Gold American Express Card

Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsCar Rental Insurance
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.74% - 24.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99

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.

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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.

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.