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Chase Freedom Unlimited® vs Blue Cash Preferred® Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom Unlimited is a great cash back credit card for everyday purchases. How does it compare to Blue Cash Preferred from American Express, a cash back, gas and grocery card? Read our comparison chart below.

 Chase Freedom UnlimitedBlue Cash Preferred Card from American Express
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Chase Freedom Unlimited®

Blue Cash Preferred® Card from American Express

 

Credit Card Summary

 
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
  • No annual fee.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR on purchases for 12 months
Purchase APR14.99% to 24.74% Variable based on your creditworthiness and other factors13.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR14.99% to 24.74% Variable based on your creditworthiness and other factorsN/A
Annual Fee$0 annual fee$95 annual fee, annual fee waived for first year
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Cash Back RewardsEarn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
Gas Rewards 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
Grocery Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
Dining RewardsEarn 3% cash back on dining at restaurants, including takeout and eligible delivery services 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Freedom UnlimitedBlue Cash Preferred Card from American Express
Pros & ConsPros:
  • $200 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Pros:
  • 6% at U.S. supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at U.S. gas stations
  • Bonus cash back promotional offer
Cons:
  • Annual fee
  • Not a Visa/MasterCard
Bottom LineGreat cash back credit card for everyday purchases... Read full reviewExcellent cash back credit card for families... Read full review
 Apply NowApply Now

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Which is Better: Chase Freedom Unlimited or Blue Cash Preferred?

Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Freedom Unlimited or Blue Cash Everyday.


Articles on Chase Freedom Unlimited®

Chase Freedom Unlimited

With a $200 cash back offer and no annual fee, does Chase Freedom Unlimited® live up to the hype? Read this in-depth review to see how it stacks up.

Chase Freedom Unlimited Benefits

Besides unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited offers valuable benefits. Don't overlook them.

Chase Freedom Unlimited Credit Score

Chase Freedom Unlimited usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Freedom Unlimited Foreign Transaction Fee

Chase Freedom Unlimited may not be a good travel partner. Here's what you need to know about its foreign transaction fees.

Chase Freedom Unlimited Credit Limit

Many Chase Freedom Unlimited users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.

Articles on Blue Cash Preferred® Card from American Express

Blue Cash Preferred Review

If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday.

Compare Chase Freedom Unlimited to:

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.99% - 22.99% Variable
$95

Blue Cash Everyday
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
$0

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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