Charles Denardo, Member
@charles_denardo
The biggest difference between Chase Freedom Unlimited® and Discover it® Cash Back is in the cards’ rewards structures. The Chase Freedom Unlimited® card gives 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases. Discover it® Cash Back offers 5% cash back on up to $1,500 spent in rotating bonus categories that change each quarter. All other purchases earn 1% cash back. And you must activate new bonus categories every quarter in order to receive the 5% cash back.
The Discover it® Cash Back card provides new cardholders with a unique introductory offer. Discover matches all cash back you’ve earned with the card at the end of the first year.
Chase Freedom Unlimited® has an introductory APR offer of 0% for 15 months for purchases and balance transfers. Discover it® Cash Back gives 0% for 15 months on purchases and 0% for 15 months on balance transfers. Discover it® Cash Back comes with a slightly lower regular APR once the intro rate expires. Its APR is 17.99% - 26.99% Variable, compared to the 18.74% - 28.24% (V) regular rate for Chase Freedom Unlimited®. If you’re traveling abroad, Chase Freedom Unlimited® and Discover it® Cash Back aren’t your best credit card options. Chase Freedom Unlimited® imposes a foreign transaction fee of 3% of each transaction in U.S. dollars on all international purchases. Discover it® Cash Back has a 0% foreign transaction fee, yet it may be hard to find merchants that will accept it.
Ultimately, the two cards have several similarities. They are both cash back cards and each offers a bonus within the first year, along with introductory APRs. Chase Freedom Unlimited® has a $0 annual fee and Discover it® Cash Back comes with a $0 annual fee. Chase Freedom Unlimited® requires good or excellent credit for good odds of approval, while Discover it® Cash Back accepts applicants with good credit.
Popular Credit Cards from Our Partners
People also ask
What is the Chase Freedom Unlimited cards 3% cash back offer?
The Chase Freedom Unlimited card currently offers 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. More specifically, the Chase Freedom Unlimited card gives 1.5 - 5% cash back, depending on the type of purchase, which are excellent earning rates, especially considering the card's $0 annual fee.
Chase Freedom Unlimited Rewards in 2025
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
There are also other attractive features to complement the card’s current bonus and rewards. This card offers an introductory APR of...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the Chase Freedom Unlimited credit score requirement?
The Chase Freedom Unlimited® credit score requirement is 700 or better . That means people with good credit or better have a shot at getting approved for the Chase Freedom Unlimited Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Chase Freedom Unlimited Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts,...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the Chase Freedom Unlimited credit limit?
The Chase Freedom Unlimited Card has a minimum credit limit of $500, which you may receive if you get approved for the Visa Platinum version of the card. If you get approved for the Visa Signature version, based on factors such as your credit history, income and debt, the minimum credit limit will be $5,000.
Chase doesn’t publicly disclose a maximum credit limit for the Chase Freedom Unlimited card. But some customers have said that they have received...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.