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Chase Freedom Unlimited® vs Chase Sapphire Reserve®

Option A

Chase Freedom Unlimited®

Chase · No annual fee

Option B

Chase Sapphire Reserve®

Chase · $795/yr

SpecChase FreedomChase Sapphire
Annual feeNo annual fee$795/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
  • 8x Travel booked through Chase Travel (flights, hotels, cars)
  • 5x Eligible Lyft rides (through Sept 30, 2027)
  • 4x Flights and hotels booked directly
Foreign tx fee3%None
Statement creditsNone9 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