Choosing between the Chase Freedom Unlimited (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | <strong>5%</strong> | 1% |
| Dining Rewards | <strong>3%</strong> | 1% |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Chase Freedom Unlimited pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.