13 Difference Between Discover It Cash Back And Chase Freedom Unlimited


Discover it cash back is better choice if you don’t mind to keep up with rotating categories. 


Discover it Cash Back:

Chase Freedom Unlimited:


High cash back earning potential.

First time late payment forgiveness.

No foreign transaction fee

No rotating categories

No waiting for year for cash back bonus


Enrollment required

5% cash back is limited to $1,500 in purchases

No bonus categories

Rewards Rate:

5% cash back in rotating categories every 3 months (up to $1,500).

1% cash back on other purchases.

Earn unlimited 1.5% cash back on all purchases

Intro Bonus:

Discover will match all the cash back you’ve earned at the end of your first year.

$200 cash back
after you spend $500 on purchases in your first 3 months from account opening.

Annual Fee:



Intro Apr for Purchase and Balance Transfer:

0% intro apr for 14 months

0% intro apr for 15 months

Regular APR:

14.24% – 25.24% variable

17.24% – 25.99% variable

Foreign transaction fee:



Credit Needed:

Good to Excellent 670-850

Good to Excellent 670-850

Other Features:

Fraud protection

Free FICO credit score

No penalty for first late payment

Instant account freeze

100% U.S.-based service

Free social security number alerts

Car rental insurance

Roadside assistance

Extended warranty

Trip cancellation and interruption insurance

Lost luggage reimbursement

Reason To Get:

If you don’t mind to enroll in bonus categories.

If you like quality customer service

If you will spend significant amount in first year to take advantage of first year bonus.

If you prefer flat rate card.

If you do not like rotating categories.

If you travel frequently and want to take advantage of card’s insurance and protection.

If you are looking for good introductory bonus.

If you are ultimate reward card holder and want to pair good flat rate card with card that earn more points in bonus categories.

Discover It Cash Back Review With Pro And Cons

Chase Freedom Unlimited Credit Card Review

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