Chase Freedom Unlimited vs Gemini Credit Card
Compare the Chase Freedom Unlimited ($0/yr) against the Gemini Credit Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Chase Freedom Unlimited and Gemini Credit Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Freedom Unlimited | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Travel Rewards | 5% | 1.0% |
| Dining Rewards | 3% | 3% |
| Grocery Rewards | 1.5% | 2% |
| Gas Rewards | 1.5% | 4% (up to $3,600/yr) |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
| Issuer | Chase | WebBank |
Quick Summary
The Chase Freedom Unlimited has a $0 annual fee (same as Gemini Credit Card).
Chase Freedom Unlimited has a higher base reward rate (1.5% vs 1.0%).
Which Card is Better for Your Spending?
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