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Blue Cash Preferred® Card from American Express vs Chase Freedom Unlimited®

Option A

Blue Cash Preferred® Card from American Express

American Express · $95/yr ($0 first year)

Option B

Chase Freedom Unlimited®

Chase · No annual fee

SpecBlue CashChase Freedom
Annual fee$95/yr ($0 first year)No annual fee
Welcome bonus$300 bonus$200 bonus
Base rate1%1.5%
Top earn rates
  • 6% U.S. supermarkets
  • 6% Select U.S. streaming subscriptions
  • 3% Transit
  • 5% Travel purchased through Chase Travel
  • 3% Dining at restaurants (including takeout and eligible delivery)
  • 3% Drugstore purchases
Foreign tx fee2.7%3%
Statement credits1 creditsNone
RewardsCash back (Reward Dollars)Cash back (earned as Chase Ultimate Rewards points, 1 point = 1 cent; redeemable for cash, but transferable to airline/hotel travel partners only when paired with a premium Chase card such as Sapphire Preferred/Reserve or an Ink Business card)