Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Freedom Unlimited® Credit Card (no annual fee) and the REI Co-op® Mastercard® (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 dining at 3%. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | REI Co-op Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $100 after $1 spend in 2 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1.5% |
| Dining Rewards | 3% | 1.5% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1.5%. |
None |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. |
Chase Freedom Unlimited pulls ahead for dining spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.