Chase Freedom Unlimited^® vs. Chase Sapphire Preferred^® Card: Chase Products Designed To Work Together

Shopping around for a new credit card can be overwhelming. But if you’re looking for a rewards card that fits your needs, the Chase Freedom Unlimited^® and Chase Sapphire Preferred^® Card are both worth considering—here’s how they stack up.

	Chase Freedom Unlimited	Chase Sapphire Preferred
FinanceBuzz star ratings	4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
FinanceBuzz value calculation1	Year one earnings: $953 Year two earnings: $653	Year one earnings: $1,786 Year two earnings: $789
Annual fee	$0	$95
Welcome bonus	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)	Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening (that's worth $750 when redeemed through Chase Travel). Plus, get up to $300 in statement credits on Chase Travel purchases within your first year
Earning rate	6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 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	5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases
Intro APR	0% for 15 months on purchases (then 19.99% - 28.74% Variable) 0% for 15 months on balance transfers (then 19.99% - 28.74% Variable)	None
Travel coverage	Secondary auto rental collision damage waiver Trip Cancellation and Interruption Insurance (up to $1,500 per person and $6,000 per trip)	Primary auto rental collision waiver Trip cancellation and interruption insurance (up to $10,000 per person and $20,000 per trip) Baggage delay insurance Trip delay reimbursement
Other benefits	5% total cash back on Lyft rides through March 31, 2025 3 months of complimentary DoorDash DashPass, followed by 50% off the next nine months (activate by 1/31/25)	Up to $50 in annual statement credits for hotel stays through Chase Travel℠ 1:1 airline and hotel transfer partners An annual points bonus equal to 10% of total card spend from the previous year 5x total points on Lyft rides and Peloton purchases over $150 through March 31, 2025 Complimentary DoorDash DashPass membership (minimum of one year, activate by 12/31/27)
Foreign transaction fees	3% of each transaction in U.S. dollars	None
Credit needed	Excellent, Good	Excellent, Good
	Learn more	Learn more

When to go with the Chase Freedom Unlimited

The Chase Freedom Unlimited might be the better choice if:

• You’re looking for a $0-annual-fee option
• You want to earn cash back
• You want to take advantage of an introductory APR period

$0 annual fee

If you’re looking for a card with a $0 annual fee, the Chase Freedom Unlimited is the better choice between the two cards. Without an annual fee, you can earn cash back without worrying whether the rewards will justify paying to hold the card.

The Chase Sapphire Preferred charges an annual fee of $95. While the annual fee could be more than worth it for some travelers, it’s still worth considering.

Intro APR period

If you’re planning on making a big purchase and want some time to pay it off without incurring interest charges, or if you want to consolidate debt from high interest credit cards, the Freedom Unlimited is a fantastic choice. New cardholders receive 0% intro APR on purchases for 15 months from account opening, (then 19.99% - 28.74% Variable). They also receive a 0% intro APR for 15 months on balance transfers (then 19.99% - 28.74% Variable) Note that a balance transfer fee ($5 or 3% of the amount of each transfer, whichever is greater in the first 60 days) will apply.

When to go with the Chase Sapphire Preferred

The Chase Sapphire Preferred might be the better option if:

• You want to maximize redemption value through transfer partners
• You travel internationally frequently
• You want the most comprehensive travel protection possible
• You can utilize the annual hotel credit

Access to transfer partners

While both of these cards earn Chase Ultimate Rewards points on qualifying purchases, only the Chase Sapphire Preferred allows you to transfer those points to hotel and airline transfer partners. Current Chase travel partners include the following airline loyalty programs:

Airlines:

• AerClub, loyalty program of Aer Lingus
• British Airways Executive Club
• Emirates Skywards®
• Air France KLM Flying Blue
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards®
• United MileagePlus®
• Virgin Atlantic Flying Club
• Air Canada Aeroplan

Hotels:

• IHG® Rewards Club
• Marriott Bonvoy™
• World of Hyatt®

Even if you don’t want to transfer your points to partners and would rather book travel through Chase Travel, your points are worth more: 1.25 cents over the Freedom Unlimited’s one cent.

No foreign transaction fees

With the Chase Sapphire Preferred, you don’t have to worry about foreign transaction fees. This card is designed for travel, so you don’t have to pay any additional fee on purchases you make abroad. On the other hand, with the Freedom Unlimited, you pay a 3% of each transaction in U.S. dollars foreign transaction fee. If you plan to travel overseas, you are better off using the Sapphire Preferred. As a full-time digital nomad, I love using my Sapphire Preferred while abroad and know how frustrated I would be if I was incurring foreign transaction fees on each purchase.

Extra benefits

There are a few extra benefits that give the Sapphire Preferred an edge over the Freedom Unlimited. First, cardholders of the Sapphire Preferred get an annual $50 statement credit on hotels booked through Chase Travel. It’s not much, but every little bit helps, and it’s a great way to attempt to offset the annual fee. I always use my hotel credit, and it’s nice to save a little bit of money when taking a weekend trip.

Additionally, the Sapphire Preferred gives cardholders an anniversary point bonus equal to 10% of their total earnings in the previous year. If you spend $25,000 in purchases on your card, you’ll get 2,500 bonus points. There’s no limit to how much you can earn, so if you’re a heavy spender, you’ll appreciate the bonus on your account anniversary.

The Sapphire Preferred also comes with a primary auto rental collision damage waiver (compared to the Freedom Unlimited’s secondary waiver) and increases the value of the trip cancellation and interruption insurance offered by the Freedom Unlimited from $1,500 per person to $10,000 per person. The Sapphire Preferred also adds baggage delay insurance and trip delay reimbursement, which the Freedom Unlimited does not offer.

These extra benefits are relatively minor and won’t influence an infrequent traveler much, but they can be a dealbreaker for seasoned travelers.

A closer look at the welcome bonuses

Both the Chase Sapphire Preferred and the Chase Freedom Unlimited come with lucrative welcome offers. With the Chase Sapphire Preferred card, you earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening (that's worth $750 when redeemed through Chase Travel). Plus, get up to $300 in statement credits on Chase Travel purchases within your first year. That’s a value of up to $1,050 when you redeem for travel through the Chase Travel℠ portal.

With the Chase Freedom Unlimited, cardholders can earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year). If you don’t think you’ll meet the spending threshold for the Sapphire Preferred, it might make sense to choose the Freedom Unlimited, as it is much easier to reach.

Why not get both cards?

The Freedom Unlimited has a solid earning potential. The twist — your cashback earnings are awarded as Ultimate Rewards points. A dollar in cash back earnings is equal to 100 points. Although the Freedom Unlimited doesn’t have access to the airline and hotel transfer partners that the Sapphire Preferred offers, you can combine rewards across accounts, meaning you can combine your cash back earnings from the Freedom Unlimited with the points you earn from the Sapphire Preferred.

This unlocks access to transfer partners and greater value redemptions.

It also means that you can strategize which card you’re using for which purchases — instead of earning just 1X points on all other purchases with the Sapphire Preferred, you can use the Freedom Unlimited to earn 1.5% on all other purchases. These cards sync up very well for most consumers as long as they know how to reach the cards’ full potential.

Apart, these two cards are solid options but are likely tailored to different kinds of consumers — for the Freedom Unlimited, someone who wants simple cash back, and for the Sapphire Preferred, travel enthusiasts working toward their next great trip.

However, when used together, you see how these two cards shine and play on the other’s weaknesses. If possible, consider maximizing your earning potential and benefits by applying for both cards.

FAQ

Bottom line

For frequent travelers, the Chase Sapphire Preferred offers travel benefits and extra value for your points, which makes the annual fee worthwhile for many, including myself. If you don’t travel often, the Chase Freedom Unlimited could be a better option — you’ll earn a healthy rewards rate without paying for benefits you won’t use. If you can, use the cards in tandem to unlock their full potential.

Unlimited Cash Back

Chase Freedom Unlimited^®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Freedom Unlimited^®

Apply Now

Current Offer

Earn 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.

Annual Fee

$0

Rewards Rate

6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 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

Benefits and Drawbacks

Benefits

• High base rewards rate of 1.5%
• $0 annual fee
• Valuable welcome bonus for new cardholders
• Intro APR offers for purchases and balance transfers

Drawbacks

• Has a foreign transaction fee of 3% of each transaction in U.S. dollars
• No bonus categories for gas or groceries

Card Details

• 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 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, alerts, and more.
• Member FDIC

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Sapphire Preferred^® Card

Apply Now

Current Offer

Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer valued at up to $1,050 when redeemed via Chase Travel
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in annual statement credits for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance

Drawbacks

• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases

Card Details

• Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
• Member FDIC