Chase Freedom Unlimited and Bank of America Cash Rewards are both cash back cards with attractive bonuses and 0% introductory APRs. Which is the better card depends on one's preference between flat-rate rewards and rewards rates that vary by purchase category. Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). Bank of America Cash Rewards gives 3% cash back in a category of your choice and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly), plus unlimited 1% cash back on all other purchases.

Bank of America Cash Rewards has a slightly higher first-year bonus. It gives $200 to people who spend $1,000 within the first 90 days of opening an account. Freedom Unlimited offers an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. But their intro APR terms are similar. Each card has a 0% intro rate on purchases and balance transfers. It's also worth noting that neither card is an ideal travel companion, as there's a 3% foreign transaction fee on all international purchases.

If you have excellent credit, you have the luxury of picking whichever of the two cards has the best terms for the types of transactions you're trying to make. But people with “just” good credit may only be able to get Chase Freedom Unlimited.

Chase Freedom Unlimited points are worth 1 cent each when redeemed for cash back, gift cards, merchandise or travel. Chase Freedom Unlimited points redeemed for Amazon.com purchases through the Shop with Points feature are worth 0.8 cents each.

There's no limit on earnings, and points never expire as long... show more

You can go over your Chase Freedom Unlimited credit limit by making a purchase that exceeds your available credit. There is no over limit fee.

They may authorize charges that go over your credit limit, but you must pay any amount over your credit limit immediately if they ask... show more

Chase Freedom Unlimited® is a VISA, not a Mastercard. You can use your Chase Freedom Unlimited Card at nearly 11 million merchants that accept VISA nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard... show more

The Chase Freedom Unlimited provides trip cancellation coverage and you may be reimbursed for certain eligible non-refundable expenses, up to $1,500 per person, up to a maximum of $6,000 for all covered persons traveling together on the same trip.

Reasons include severe weather, sickness experienced by you or a traveling... show more

The Chase Freedom Unlimited delivery time is usually around 7-10 business days after application approval, but if you ask Chase to expedite the delivery, you can get it within 1-2 days at no charge.

You can make this request by calling Chase's customer service department at 800-432-3117.

You cannot get Chase Freedom Unlimited with no credit. It's a high-end credit card so you will need excellent credit to get it.

Chase discontinued the Chase Freedom Unlimited price protection benefit for both new and existing cardholders on 8/26/2018. Chase Freedom Unlimited price protection used to refund the difference between the price paid for an item and a lower sale price found by the cardholder in the next 90 days. So, it... show more

There is no Chase Freedom Unlimited over-limit fee. 

They may authorize charges that go over your credit limit, but you must pay any amount over your credit limit immediately if they ask you to. 

For select cardholders, Chase offers a credit access line that allows for over-limit charges, approved on... show more