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Chase Freedom Unlimited vs Chase Sapphire Reserve®

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 Chase Sapphire Reserve, a travel, airline, points and restaurant credit card? Read our comparison chart below.

Keep in mind, the Chase Freedom Unlimited has a $0 annual fee, while the Chase Sapphire Reserve has a $550 annual fee.

 Read Chase Freedom Unlimited ReviewApply Now
 

Chase Freedom Unlimited®

Chase Sapphire Reserve®

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 monthsN/A
Purchase APR14.99% to 23.74% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR14.99% to 23.74% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollars$0
Annual Fee$0 annual fee$550 annual fee
 

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 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Cash Back RewardsEarn unlimited 1.5% cash back on all purchases. 
Travel Rewards 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
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 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline Status $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Dining Rewards 3X points on dining at restaurants
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • $150 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineGreat cash back credit card for everyday purchases... Read full reviewUltra premium credit card for luxury travelers... 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: 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.

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 June 3, 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
N/A
13.99% - 23.99% Variable
$0

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Compare Chase Sapphire Reserve to:

American Express Platinum
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$550

American Express Gold
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionBaggage Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$250

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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.