Chase Sapphire Preferred® Card vs. Chase Freedom Unlimited®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →WealthSpott Verdict
Chase Freedom Unlimited® wins on more measurable categories — particularly annual cost. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Preferred®
Chase Freedom Unlimited®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-5x
1.5%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% intro APR for 15 months
Regular APR
21.49%-28.49% Variable
20.49%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Chase Freedom Unlimited®
Pros
- No annual fee
- Strong bonus categories (dining, drugstores, travel via Chase)
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- Bonus categories require activation
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