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American Express® Gold Card vs Chase Freedom Unlimited®

Option A

American Express® Gold Card

American Express · $325/yr

Option B

Chase Freedom Unlimited®

Chase · No annual fee

SpecAmerican Express®Chase Freedom
Annual fee$325/yrNo annual fee
Welcome bonus100,000 points bonus$200 bonus
Base rate1x1.5%
Top earn rates
  • 5x Prepaid hotels booked on AmexTravel.com
  • 4x Restaurants worldwide (incl. takeout & delivery in the U.S.)
  • 4x U.S. supermarkets
  • 5% Travel purchased through Chase Travel
  • 3% Dining at restaurants (including takeout and eligible delivery)
  • 3% Drugstore purchases
Foreign tx feeNone3%
Statement credits4 creditsNone
RewardsAmerican Express Membership RewardsCash 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)