Chase Sapphire Preferred Or Chase Freedom Unlimited

By | August 5, 2022


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When comparison unlike credit cards, you’ll ofttimes observe Chase depository financial institution to have several of their cards listed as some of the best. Some of Hunt’s best cards offer greenbacks back rewards, (like the Chase Freedom Unlimited®) while others are focused on travel benefits (like the Chase Sapphire Preferred® Card). To help you better understand which card might be better for you, we are going to compare the Chase Freedom Unlimited vs Chase Sapphire Preferred cards—two of the very all-time!

Chase Liberty Unlimited vs Hunt Sapphire Preferred

This proficient Chase Freedom Unlimited® vs Hunt Sapphire Preferred® Menu comparison review volition help you pick the best Chase credit card for your spending habits. Both of these cards are some of the most pop picks for a reason. I card can get you several cash back rewards on every buy while the other earns coveted
Ultimate Rewards® points.
Let’due south take a look at what each has to offering.

These two cards can work together so you can experience places like a beautiful sunrise over Key Park. Credit: Denise Soulame

Chase Sapphire Preferred Card – $750 in Accolade Travel

  • Annual fee:
    $95
  • Strange transaction fee:
    None


  • Signup bonus value:



    New
    Chase Sapphire Preferred® Card
    cardholders can
    earn threescore,000 bonus points
    after spending $4,000 on purchases in the starting time 3 months from account opening. That’s $750 when redeemed through Chase Ultimate Rewards®.
  • Fundamental features:25% travel redemption bonus, one:i airline and hotel point transfers, travel insurance

The

Hunt Sapphire Preferred® Card

is the better option if you redeem your points for travel rewards. Your points are really most valuable when redeemed for travel since this card comes with a 25% travel redemption bonus when y’all book travel through the Ultimate Rewards plan.

The Sapphire Preferred earns unlimited:

  • 5x points on travel purchased through Chase Ultimate Rewards® (excluding hotel purchases that qualify for the $fifty Anniversary Hotel Credit)
  • 3x points on dining (including eligible delivery services, takeout, and dining out)
  • 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
  • Also 3x points on select streaming services
  • 2x points on all other travel purchases
  • 1x betoken per $1 spent on all non-bonus purchases

There is a $50 almanac Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel adaptation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $l. This tin be a nice hotel credit carte du jour option if y’all want flexibility.

Plus, on each business relationship anniversary, you’ll earn bonus points equal to 10% of your total purchases fabricated the previous year. Then, if you lot spend $25,000 on purchases, you’ll get 2,500 bonus points.

Redeeming Rewards Points for Travel

The winner of the Chase Sapphire Preferred vs Freedom Unlimited comparison comes down to how valuable each point is for your preferred redemption selection.

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Each indicate is worth i cent when redeeming cash argument credits, gift cards, and Amazon.com shopping credits. However, your points are worth at to the lowest degree ane.25 cents each when booking award travel. With the Chase Freedom Unlimited, your points are only worth 1 cent each for whatever redemption.

Considering of the value of points, the Hunt Sapphire Preferred credit score needed may be slightly higher, though information technology’southward non incommunicable.

25% Travel Redemption Bonus

Your points are worth 25% more when booking award travel on the Hunt Ultimate Rewards portal, making 10,000 points worth $125. Yet, the aforementioned 10,000 points are simply worth $100 if you redeem your points for cash rewards to embrace recent purchases.

Points are also worth 25% more when redeemed for argument credits against existing purchases in select, rotating categories with the
Chase Pay Yourself Back feature.

1:i Airline and Hotel Indicate Transfers

Some other
Chase Sapphire Preferred perk
that the Freedom Unlimited doesn’t accept is the one:1 point transfers. You can transfer your points in ane,000-betoken increments to airline and hotel partners. Booking laurels flights directly through the airline are virtually always the most valuable way to redeem Hunt Ultimate Rewards.

Here are the current i:1 Chase transfer partners:

  • Aer Lingus
  • Aeroplan Air Canada
  • British Airways
  • Emirates
  • Air France KLM Flight Blue
  • Iberia
  • JetBlue
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • IHG
  • Marriott Bonvoy
  • World of Hyatt

Yous can detect some of your best value past transferring your points and booking first-class or business class seats.

Additional Travel Benefits

This menu offers some valuable trip protection benefits that tin can save you thousands if your trip gets delayed or canceled:

  • Up to $ten,000 per person ($20,000 per trip) in non-refundable travel purchases for delayed or canceled travel under covered reasons
  • Chase Sapphire Preferred rental car insurance benefits for collision and theft damage
  • Baggage delay insurance upward to $100 per twenty-four hours for 5 days
  • Trip delay reimbursement (up to $500 per ticket) for essential purchases

Signup Bonus Offer

New
Chase Sapphire Preferred® Bill of fare
cardholders tin can
earn 60,000 bonus points
afterwards spending $4,000 on purchases in the outset 3 months from account opening. That’s $750 when redeemed through Hunt Ultimate Rewards®.

This
bonus is worth $750
when booking accolade travel on the Chase travel portal cheers to the 25% travel redemption bonus. Each betoken can be worth more than than 1.25 cents each when you transfer them to a ane:1 partner.

Note that you lot won’t qualify for this bonus if you currently own the Hunt Sapphire Reserve or accept earned a Sapphire bonus within the last 48 months. This is also known equally the Hunt 5/24 rule.

Hunt Freedom Unlimited – No Annual Fee

  • Annual fee:
    $0
  • Foreign transaction fee:
    3%
  • Signup Bonus Offer:

    New Chase Freedom Unlimited® cardholders tin can
    earn an additional 1.five% cash back on everything
    they purchase (on upward to $20,000 spent in the offset year) –
    worth up to $300 cash dorsum!
  • Fundamental features:Earn up to five% back on every purchase
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The best mode to depict the Hunt Freedom Unlimited® is it’s a greenbacks back credit card that gets at least 1.5% dorsum on every purchase.

Cardholders earn unlimited:

  • 5% cash back on travel purchased through Chase Ultimate Rewards®
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% greenbacks dorsum on drugstore purchases
  • 1.5% greenbacks back on all other purchases

There is no limit to how much greenbacks back tin be earned.

You as well have the option of redeeming your points for cash, souvenir cards, award travel, and Amazon.com shopping points. Your points are only worth 1 cent each for any redemption option.

Getting at least i.five% back and no annual fee makes this one of the
all-time travel credit cards with no annual fees. However, the three% foreign transaction fee means this card isn’t a expert option for international travel.

Redeeming Points for Greenbacks or Travel

For every $ane you spend, you lot earn at least 1.5 rewards points. Points are redeemable for cash back, gift cards, Amazon.com shopping points, and booking award travel on the Chase travel portal.

Only unlike the Chase Sapphire Preferred, y’all don’t go a 25% travel redemption bonus or have access to 1:1 point transfers. The good news is that no matter how you redeem your points, they are always worth 1 cent each. So, ten,000 points are worth $100 in cash or travel rewards.

One way to accept a redemption value higher than i cent each indicate is to
also
own the Chase Sapphire Preferred Card. Yous run across, Hunt lets you puddle your rewards points but only on your cards that earn Ultimate Rewards points. For this reason, information technology is i of the
all-time Hunt credit cards.

Additional Benefits

This card offers some additional card benefits to protect your shopping purchases:

  • 120 days of purchase protection for theft and damage up to $500 per claim
  • Extended warranty protection on select purchases

Signup Bonus

New Chase Freedom Unlimited® cardholders tin can
earn an additional 1.5% cash dorsum on everything
they buy (on upward to $twenty,000 spent in the first year) –
worth upwardly to $300 cash back!
That means new cardholders tin can enjoy:

  • half-dozen.5% cash back on travel purchased through Chase Ultimate Rewards® (Hunt’due south premier rewards program that lets you lot redeem rewards for cash dorsum, travel, gift cards, and more)
  • four.5% cash back on drugstore purchases
  • 4.5% on dining at restaurants (including takeout and eligible commitment service)
  • 3% on all other purchases

New cardholders earn this extra 1.v% cash dorsum on upwards to $20,000 spent in the first twelvemonth.

The Chase Freedom Unlimited or Chase Sapphire Preferred?

These two cards cater to different spending habits. Both cards earn Chase Ultimate Rewards points which are redeemable for cash, travel, souvenir cards, or Amazon.com credit.

Either carte requires a minimum 680 credit score to take the best blessing odds. Both of these cards also fall under the Hunt five/24 rule. Even with a good credit score, Chase volition decline your application if y’all take opened or been listed as an authorized user on 5 or more credit cards in the terminal 24 months.

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When to Endeavour for the Chase Sapphire Preferred Kickoff

If you lot are near the v/24 threshold, you lot should consider trying for the

Chase Sapphire Preferred Card

first if you desire to redeem your points for award travel. This means you lot tin can basically offset travel fees with your points. Although you pay a $95 annual fee, the 25% travel redemption bonus, ane:ane point transfers, and signup bonus tin can be well worth it.

Then, maybe after waiting several months, you can endeavor for the Chase Liberty Unlimited.

When to Try for the Chase Freedom Unlimited

The Chase Liberty Unlimited is the better option if y’all prefer greenbacks rewards and won’t discover the travel perks to exist useful. Earning at to the lowest degree one.5% dorsum on every buy is 1 of the best cash back rates.

Although you lot don’t get a 25% travel redemption bonus or i:1 point transfers, these ii perks are not worth the $95 annual fee for infrequent travelers.

Chase Freedom Flex

Before nosotros conclude, it’due south worth noting that Chase too has the Chase Freedom Flex℠ no almanac fee menu. It also comes with cashback perks that may exist more suited to your spending. You can learn more about information technology in our Chase Freedom Flex review.

Y’all may also want to visit our comparison of the Chase Freedom Flex and Freedom Unlimited if you prefer these no almanac fee options over the $95 almanac fee Sapphire Preferred.

Who Wins?

Is Chase Sapphire Preferred amend than Hunt Freedom Unlimited? Both the Sapphire Preferred and Liberty Unlimited make it piece of cake to earn more than rewards from your daily spending. The Sapphire Preferred is the amend option because of the flexible travel redemption options if you book award travel on a regular ground. But the Liberty Unlimited is ameliorate if you don’t desire to worry about an annual fee and still want to earn unlimited cashback on all of your purchases.

Which bill of fare exercise you prefer:

Hunt Sapphire Preferred® Menu
 (travel rewards) or the Chase Liberty Unlimited® (cash rewards)?

Related Articles:

  • Best Travel Credit Cards for Beginners
  • The Best Credit Cards for Road Trips
  • Best Credit Carte Offers

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