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 Sam's Club 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 NowStrongest in gas at 5% (up to $6,000/yr). 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | Sam's Club Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $30 after $30 spend in 1 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Dining Rewards | 3% | 3% |
| Gas Rewards | 1.5% | 5% (up to $6,000/yr) |
| 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%. |
3% at Sam's Club with Plus Earns 3% on Sam's Club purchases only with a Plus membership, which costs more than the base Club tier. Club members earn 1% there, and groceries bought anywhere else earn 1%. |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership. |
Chase Freedom Unlimited pulls ahead for travel, groceries spending.
Sam's Club Mastercard wins on gas.
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.