Chase Freedom Unlimited vs American Express Blue Cash
If you’re in the market for a new credit card, you’ve probably come across the Chase Freedom Unlimited and the American Express Blue Cash. Both cards offer great rewards, so how do you know which one to choose?
The Chase Freedom Unlimited is a great choice for those who want to earn cash back on everyday purchases. The card earns unlimited 1.5% cash back on all purchases, with no limits or caps. It also has no annual fee and offers a 0% introductory APR on purchases and balance transfers for 15 months. The card also comes with a sign-up bonus of $200 after spending $500 in the first 3 months.
The American Express Blue Cash offers a slightly different rewards structure. The card earns 3% cash back at US supermarkets (up to $6,000 per year in purchases) and 2% at US gas stations and select US department stores. It also offers 1% cash back on all other purchases. The card has a slightly higher annual fee of $95 but also offers a generous sign-up bonus of $250 after spending $1,000 in the first 3 months.
Which Card is Right For You?
The answer to which card is right for you depends on your spending habits. If you spend a lot at US supermarkets or gas stations, then the American Express Blue Cash may be the better choice. However, if you don’t spend a lot in those categories, then the Chase Freedom Unlimited may be the better choice, since it offers 1.5% cash back on all purchases with no spending limits or caps.
Points to Consider
When choosing between the two cards, there are a few other points to consider. The American Express Blue Cash has a higher annual fee of $95, while the Chase Freedom Unlimited has no annual fee. Also, the American Express Blue Cash offers a slightly higher sign-up bonus of $250 after spending $1,000 in the first 3 months, while the Chase Freedom Unlimited offers a sign-up bonus of $200 after spending $500 in the first 3 months. Finally, the Chase Freedom Unlimited offers a 0% introductory APR on purchases and balance transfers for 15 months, while the American Express Blue Cash does not offer an introductory APR.
Conclusion
The Chase Freedom Unlimited and the American Express Blue Cash are both great choices for cash back rewards. It ultimately comes down to your spending habits and which card offers the best rewards for your situation. If you spend a lot at US supermarkets or gas stations, then the American Express Blue Cash may be the better choice, but if you don’t spend a lot in those categories, then the Chase Freedom Unlimited may be the better choice.
If you're considering either card, we invite you to read reviews, compare features and ultimately choose the card that best suits your needs.
Take control of your finances and get the most out of your credit card with the Chase Freedom Unlimited or the American Express Blue Cash. Both cards offer great rewards, so it's up to you to choose the one that's right for you.