Chase Freedom Unlimited® vs Mastercard® Black 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 Mastercard Black Card, a travel card? Read our comparison chart below.

Keep in mind, the Chase Freedom Unlimited has a $0 annual fee, while the Mastercard Black Card has a $495 annual fee ($195 for each Authorized User added to the account).

	Chase Freedom Unlimited®	Mastercard® Black 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 19.99% - 28.74%. 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, real-time alerts, and more. See Current Offer	Stainless steel and carbon card. Tailored to be an everyday essential. Rewards and protection benefits that are designed to be used everywhere you go, rather than select categories and purchases. Plus, no foreign transaction fees. Simple and flexible rewards without the hoops. 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent. No minimum threshold requirement for cash back or airfare redemptions. Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That's it. No need to activate or designate an airline. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®—available by phone, email, SMS and chat in the app. Around-the-clock service to help you save time and manage tasks big and small. There is no requirement to make a purchase in your requests and no fees are associated with using the concierge's assistance. Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Plus, peace of mind protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply. See Current Offer
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Purchase APR	19.99% to 28.74% Variable based on your creditworthiness and other factors	19.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR	19.99% to 28.74% Variable based on your creditworthiness and other factors	19.99% (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee	3% of each transaction in U.S. dollars	0% of each transaction in U.S. dollars.
Annual Fee	$0 annual fee	$495 annual fee ($195 for each Authorized User added to the account)
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	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!
Cash Back Rewards	Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, 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).	1.5% value for cash back redemptions
Airline Rewards		2% value for airfare redemptions with no blackout dates or seat restrictions.
Airline Status		Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
Dining Rewards	Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews

Pros & Cons	Pros: Intro Cash Back Offer Intro APR No annual fee Cons: Foreign transaction fee	Pros: Stainless steel and carbon card Concierge service Travel benefits Cons: $495 annual fee No signup bonus
Bottom Line	Great cash back credit card for everyday purchases... Read full review	Stainless steel and carbon card with luxury benefits... Read full review

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.

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Which Do You Like and Why?

Compare Chase Freedom Unlimited to:

Chase Sapphire Preferred® Card
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	21.24% - 28.24% Variable	$95

Blue Cash Everyday® Card from American Express
Terms Apply \| Read Review \| See Rates & Fees
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% on Purchases for 15 months	0% on Balance Transfers for 15 months	18.99% - 29.99% Variable	$0