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Chase Freedom Unlimited® vs Chase Sapphire Preferred® Card

Option A

Chase Freedom Unlimited®

Chase · No annual fee

Option B

Chase Sapphire Preferred® Card

Chase · $95/yr

SpecChase FreedomChase Sapphire
Annual feeNo annual fee$95/yr
Welcome bonus$200 bonus100,000 points bonus
Base rate1.5%1x
Top earn rates
  • 5% Travel purchased through Chase Travel
  • 3% Dining at restaurants (including takeout and eligible delivery)
  • 3% Drugstore purchases
  • 5x Travel booked through Chase Travel
  • 3x Dining
  • 3x Gas and EV charging
Foreign tx fee3%None
Statement creditsNone3 credits
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)Chase Ultimate Rewards