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Chase Freedom Unlimited® vs Delta SkyMiles® Platinum American Express 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 Delta Platinum AMEX from American Express, an airline card? Read our comparison chart below.

 Chase Freedom UnlimitedDelta SkyMiles Platinum American Express Card
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Chase Freedom Unlimited®

Delta SkyMiles® Platinum American Express Card

 

Credit Card Summary

 
  • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
  • Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles® Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
  • $120 Resy Credit: With the Delta SkyMiles® Platinum American Express Card Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card. Enrollment Required.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or up to $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Delta SkyMiles® Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
 

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 APR20.49% to 29.24% Variable based on your creditworthiness and other factors20.99% to 29.99% Variable based on your creditworthiness and other factors
Balance Transfers APR20.49% to 29.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual fee$350 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn 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 Airline Rewards Earn 50,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months of Card Membership.
Cash Back RewardsEnjoy 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. 
Airline Rewards Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and earn 1X Miles on all other eligible purchases.
Bonus Airline Rewards Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
Earn $1 Medallion® Qualification Dollar for each $20 of purchases made on your Delta SkyMiles® Platinum American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
Airline Status Enjoy your first checked bag free on Delta flights.
Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Dining RewardsEarn 3% cash back on dining at restaurants, including takeout and eligible delivery services 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Freedom UnlimitedDelta SkyMiles Platinum American Express Card
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.


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.

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About CreditDonkey
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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.

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