Chase Freedom Unlimited® vs Chase Sapphire Preferred® Card

Chase Freedom Unlimited®Chase Freedom Unlimited®

Chase

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Chase Ultimate Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
25,000 Chase Ultimate Rewards after $500 in 90 days
75,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryChase Freedom Unlimited®Chase Sapphire Preferred® Card
Card Travel Portals5.00%
5x
10.00%
5x
Dining & Restaurants3.00%
3x
6.00%
3x
Streaming1.50%
1.5x
6.00%
3x
Gas Stations1.50%
1.5x
6.00%
3x
EV Charging1.50%
1.5x
6.00%
3x
Travel1.50%
1.5x
4.00%
2x
Airfare1.50%
1.5x
4.00%
2x
Hotels & Lodging1.50%
1.5x
4.00%
2x
Car Rentals1.50%
1.5x
4.00%
2x
Rideshare & Transit1.50%
1.5x
4.00%
2x
Drugstores & Pharmacies3.00%
3x
2.00%
1x
Everything else1.50%
1.5x
2.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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