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Discover It vs Chase Freedom Unlimited®

Compare Rewards, Interest Rates, Fees, and Benefits

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Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to Chase Freedom Unlimited, a cash back credit card? Read our comparison chart below.

 Read Discover It ReviewApply Now
 

Discover it® Cash Back

Chase Freedom Unlimited®

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 14 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 14 months0% introductory APR for 15 months
Purchase APR14.24% to 25.24% Variable based on your creditworthiness and other factors17.24% to 25.99% Variable based on your creditworthiness and other factors
Balance Transfers APR14.24% to 25.24% Variable based on your creditworthiness and other factors17.24% to 25.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers).Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Cash Back Rewards1% cash back on all other purchases.Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Bonus Cash Back5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2019:
January - March 2019: Grocery Stores
April - June 2019: Gas Stations, Uber and Lyft
July - September 2019: Restaurants and PayPal
October - December 2019: Amazon.com, Target and Walmart.com
 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 5% bonus rotating categories
  • Intro APR on purchases and balance transfers
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Pros:
  • Double Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineExcellent cash back credit card with no annual fee and low interest rate... Read full reviewGreat cash back credit card for everyday purchases... Read full review
 Read Discover It 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 Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 2, 2019 from published websites and is believed to be accurate, but not guaranteed.

    Which is Better: Discover It or Chase Freedom Unlimited?

    Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Discover It or Blue Cash Everyday.


    Articles on Discover it® Cash Back


    Articles on Chase Freedom Unlimited®


    Which Do You Like and Why?

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    Compare Discover It to:

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.24% - 25.24% Variable
    $95

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn 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
    15.24% - 26.24% Variable
    $0

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    Compare Chase Freedom Unlimited to:


    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    16.24% - 26.24% (Variable)
    $0


    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.99% - 25.24% (Variable)
    $0 intro for first year; $95 after that

    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.



    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.

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