Chase Freedom Unlimited vs. Blue Cash Everyday Card from American Express

Chase Freedom Unlimited® vs. Blue Cash Everyday® Card from American Express

The Chase Freedom Unlimited® and the Blue Cash Everyday® Card from American Express are two popular credit cards that offer distinct cash-back rewards programs. This article provides an objective comparison of these two cards, focusing on key aspects such as their rewards, annual fees, introductory offers, and other features.

Chase Freedom Unlimited®

Overall Rating
4.9

Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Rewards Range
1.5% - 5%

Annual Fee
$0

Regular APR
20.49% - 29.24%

0% APR on Purchases
15 months

0% APR on Balance Transfers
15 months

Foreign Transaction Fee
3% of each transaction in U.S. dollars

Blue Cash Everyday® Card from American Express

Overall Rating
4.4

Welcome Offer
Earn a $200 statement credit

Rewards Range
1%-3%

Annual Fee
$0

Regular APR
19.24% - 29.99%

0% APR on Purchases
15 months

0% APR on Balance Transfers
15 months

Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.

Chase Freedom Unlimited® vs. Blue Cash Everyday® Card from American Express

Welcome Offer

Chase Freedom Unlimited®: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Blue Cash Everyday® Card from American Express: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

You have the potential to earn more with the Chase Freedom Unlimited® welcome bonus. So we give the win to Chase in this round.

Cash Back Rewards

Chase Freedom Unlimited® offers 5% cash back on travel purchases when booked through Chase Ultimate Rewards; 3% cash back on dining, including take out; 3% cash back at drugstores, and 1.5% cash back on everything else. Those Chase Ultimate Rewards points are pretty cool. You can use them as statement credits and gift cards, or you can get more value when you use your rewards to book travel through the Chase Ultimate Rewards portal.

For example, transfer your Chase points to the Chase Sapphire Preferred® Card or the Ink Business Preferred® Credit Card, and your points are worth 25% more if you use them to purchase travel through Chase. Or, you can get 50% more value if you transfer your rewards to the Chase Sapphire Reserve® and use your points to book travel through Chase.

Blue Cash Everyday® Card from American Express offers 3% cash back at supermarkets; 3% cash back on online purchases; and 3% cash back at gas stations. This is all subject to a cap of $6,000 a year; after that, you'll earn 1% cash back.

Which card is the better deal for you depends on how you spend money. If you spend more on groceries, then the Blue Cash Everyday® Card from American Express is the way to go. If you spend more on travel and dining, then the Chase Freedom Unlimited® is an excellent choice.

Here are the details for each card.

Chase Freedom Unlimited® 

Rewards: 

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®

Blue Cash Everyday® Card from American Express 

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Rates and Fees

Both cards have the same introductory offer. You get 0% Intro APR on purchases and balance transfers for the first 15 months with the Chase Freedom Unlimited®. After that, your rate will be 20.49% - 29.24% variable, depending on creditworthiness.

The Blue Cash Everyday® Card from American Express also offers 0% Intro APR on purchases and balance transfers for the first 15 months, after which your rate will be 19.24% - 29.99%, depending on creditworthiness.

Neither card has an annual fee, but both have foreign transaction fees. The Blue Cash Everyday® Card from American Express has a slightly lower foreign transaction fee, but if you're traveling internationally, you should bring a card that doesn't have any foreign transaction fees.

Who the Chase Freedom Unlimited® is Best For

If you travel at all, it's hard to say no to the Chase Freedom Unlimited®. You'll earn 5% cash back on travel purchased through the Chase Ultimate Rewards portal. Again, if you have one of the Chase cards we mentioned above, the Sapphire Preferred, Ink Business Preferred, or the Sapphire Reserve, you can transfer your points from the Freedom Unlimited to one of those cards, making the points worth more when using them for travel through Chase.

In addition, the 3% cash back you get on dining (including takeout) and drugstore purchases is a higher rate than most cards pay, especially cards with no annual fee.

Who the Blue Cash Everyday® Card from American Express is Best For

The Blue Cash Everyday® Card from American Express has decent rewards on groceries, gas and online purchases, and has no annual fee. You also get a Disney bundle credit of $7 every month after spending $13.99 a month on a Disney bundle, which includes Disney+, Hulu, and ESPN+. If you spend on groceries, gas, and online shopping (and who doesn't?) this card is a good option for you.

Does it make sense to get both cards?

Yes! If you get both cards, you'll earn 3% cash back on almost every basic household expense. Neither card has an annual fee, so you can just enjoy the rewards on dining, groceries, gas, drugstore purchases, and travel. These cards complement each other very well.

Before you apply, you should be aware of Chase's 5/24 rule. This rule (which isn't officially noted anywhere but crowdsourced through public forums) means Chase will not extend credit to anyone who has opened more than five new accounts in the last 24 months–any credit card, not just Chase credit cards. So if you've opened four credit cards in the last 24 months, apply for the Chase Freedom Unlimited® first, and after you're approved, you can apply for the Blue Cash Everyday® Card from American Express, because other card issuers don't have this rule.

Approval Odds

The credit score data provided for some of the cards listed below comes from publicly available information in several forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.

Chase Freedom Unlimited®

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

Blue Cash Everyday® Card from American Express

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000

The Chase Freedom Unlimited® requires higher credit scores, but they also extend higher credit limits. The Blue Cash Everyday® Card from American Express card approves lower credit scores, but they extend lower credit limits. If you can't get approved for the Chase card, give the Blue Cash Everyday card a shot.