Chase Freedom Unlimited vs. Chase Freedom: How the Cards Compare

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.

Everyone likes to have choices – they provide a sense of freedom and opportunity. Chase wants to provide its customers with freedom, so it offers two cards: Chase Freedom® and the Chase Freedom Unlimited®. Both are a part of the best cash back credit cards Chase offers. And although they're a bit different, both have an appealing rewards systems. How do you choose between the two? In this article, we'll share the differences and similarities between the Chase Freedom® and the Chase Freedom Unlimited®, and the type of customer each card is aimed to serve so you'll know which card is the best choice for you.

Chase Freedom® Card

Want to make your shopping experience exciting and practical? The Chase Freedom® credit card has a reward system where your rewards and bonuses change every three months. Every quarter, cardholders can anticipate big cash back opportunities in a variety of rebate categories including: gas stations, grocery stores, restaurants, wholesale clubs, and holiday shopping. Reviews of the Chase Freedom® card are positive, with most cardholders responding positively to the rotating categories.

As a cardholder, you must activate spending bonuses each quarter to take advantage of the bonuses. Bonuses are itemized by category. You earn 5% cash back on up to $1,500 through the bonus categories each quarter and earn 1% cash rebate on all other card purchases at all times.

Activating prior to the deadline applies your bonus retroactively, so even if you forget initially, you can still get the full bonus points on the money you spend within a category for the entire quarter. Any bonus points earned prior to activation in a quarter will show up on your monthly statement separately.

Chase Freedom Unlimited® Card

Reviews of this card have been very positive since it was launched in April this year. Want to make your shopping predictable and practical when it comes to your rewards? The Chase Freedom Unlimited® credit card has a reward system where your rewards and bonuses offer a consistent, and automatic 1.5% cash back on all purchases, with no limits. There is no need to log in to activate.

Share in the Similarities

We did a full review of the Chase Freedom® card and it has a lot of similarities to the Chase Freedom Unlimited® card, including:

  1. $150 sign-up bonus after new cardholders spent $500 within three months of account opening
  1. $25 for those who add an authorized cardholder that makes a purchase within the same three-month time period
  1. 15 months of 0% APR introductory financing on both new purchases and balance transfers with a 5% balance transfer fee
  1. 14.24% to 23.24% (based on the applicant's creditworthiness) will apply to any remaining balances
  1. 3% foreign transaction fee for all charges placed outside of the U.S.
  1. $0 annual fee

Celebrate the Differences

Although the two cards have many similarities, there are three differences between the two:

Chase Freedom®

Chase Freedom Unlimited®

Rewards and bonuses categories change every three months

Rewards and bonuses stay consistent

Earn 5% cash back on up to $1,500 through bonus categories each quarter

1.5% cash back on all purchases with no limits.

To take advantage of the full 5% cash back rebates, activate your card each quarter

No need to log in to activate rewards or bonuses

Choosing the Best Card for You

The best of the two cards for you will depend on your shopping and spending styles.

If you are a shopper who knows that you will be spending $1,500 in the bonus categories each quarter and want to take part in activating your card into the rewards program every quarter for 5% cash back – the Chase Freedom® may be the card for you.

If you are a shopper that does not plan on spending $1,500 in specific bonus categories each quarter, and are looking for predictable and automatic rewards with 1.5% cash back – the Chase Freedom Unlimited® may be the card for you.

In the end, when it comes to deciding which of the two cards will best serve you and your needs for a cash back rewards credit card, the best thing to consider is your spending style.

Here's more info on getting the best credit cards and maximizing your points:

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