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. 

Pros:

Discover it Cash Back:



Chase Freedom Unlimited:



High cash back earning potential

No rotating categories

First time late payment forgiveness

No waiting for year for cash back bonus

No foreign transaction fee

 

Cons:

Discover it Cash Back:



Chase Freedom Unlimited:



Enrollment required

No bonus categories

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

 

1. Rewards Rate:

Discover it Cash Back:

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

Chase Freedom Unlimited:

Earn 3% cash back on all purchases in your first year up to $20,000 spent.
Earn unlimited 1.5% cash back on all purchases after initial $20,000 spend in your first year.

2. Intro Bonus:

Discover it Cash Back:

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

Chase Freedom Unlimited:

Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent.

3. Annual Fee:

Discover it Cash Back:

$0

Chase Freedom Unlimited:

$0

4. Intro Apr for Purchase and Balance Transfer:

Discover it Cash Back:

0% intro apr for 14 months

Chase Freedom Unlimited:

0% intro apr for 15 months

5. Regular APR:

Discover it Cash Back:

14.24% – 25.24% variable

Chase Freedom Unlimited:

17.24% – 25.99% variable

6. Foreign transaction fee:

Discover it Cash Back:

None

Chase Freedom Unlimited:

3%

7. Credit Needed:

Discover it Cash Back:

Good to Excellent 670-850

Chase Freedom Unlimited:

Good to Excellent 670-850

8. Other Features:

Discover it Cash Back:

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

Chase Freedom Unlimited:

Car rental insurance
Roadside assistance
Extended warranty
Trip cancellation and interruption insurance
Lost luggage reimbursement

9. Go for Discover it Cash Back:

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.

10. Go for Chase Freedom Unlimited:

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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