Chase Sapphire Preferred® Card vs Chase Freedom Unlimited®

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Chase Freedom Unlimited, a cash back card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Chase Freedom Unlimited has a $0 annual fee.

	Chase Sapphire Preferred® Card	Chase Freedom Unlimited®


	Credit Card Summary
	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Member FDIC See Current Offer	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 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, real-time alerts, and more. Member FDIC See Current Offer
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 15 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 15 months
Purchase APR	21.49% to 28.49% Variable based on your creditworthiness and other factors	20.49% to 29.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	21.49% to 28.49% Variable based on your creditworthiness and other factors	20.49% to 29.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	3% of each transaction in U.S. dollars
Annual Fee	$95 annual fee	$0 annual fee
	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!
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
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).
Travel Rewards	5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	$50 annual Ultimate Rewards Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Earn 1 point per dollar spent on all other purchases.
Dining Rewards	3X points on dining	Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	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: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR	Pros: Intro Cash Back Offer Intro APR No annual fee Cons: Foreign transaction fee
Bottom Line	High-earning rewards card for those with excellent credit... Read full review	Great cash back credit card for everyday purchases... 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: 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.

Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

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Chase Sapphire Credit Score

Chase Sapphire Preferred usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

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Chase Sapphire Preferred Rental Car Insurance

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Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

Articles on Chase Freedom Unlimited®

Chase Freedom Unlimited Review

With an intro 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 vs Capital One VentureOne

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.

Which Do You Like and Why?

Compare Chase Sapphire Preferred to:

Chase Sapphire Reserve®


Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	22.49% - 29.49% Variable
Annual Fee
$550

American Express® Gold Card


Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	See Pay Over Time APR
Annual Fee
$250

The Platinum Card® from American Express


Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	See Pay Over Time APR
Annual Fee
$695

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Compare Chase Freedom Unlimited to:

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	19.24% - 29.99% Variable	$0

Capital One Quicksilver

Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having.

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Chase Sapphire Preferred® Card vs Chase Freedom Unlimited®

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