July 15, 2024

If money again rewards are on the high of your precedence checklist for bank cards, the card_name and the card_name are price a glance. You don’t must pay an annual price with both card, and each include engaging introductory APR affords. Nonetheless, card_name comes out on high as a result of its incomes potential. Plus, it affords a beneficiant welcome bonus you gained’t get with the card_name.

How the playing cards stack up

Right here’s a fast have a look at what every card affords:

Earn 5% money again on journey booked by way of Chase Final Rewards.

Earn 3% money again on drugstore and eating purchases.

Earn 1.5% money again on all different purchases.

Earn 2% money again on all purchases: 1% on the time of buy, and 1% if you repay the acquisition.

intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration, then reg_apr,reg_apr_type

balance_transfer_intro_apr,balance_transfer_intro_duration, then reg_apr,reg_apr_type

Different Advantages (or Further Perks)

Annual referral bonus.

Journey interruption/cancellation insurance coverage.

Lyft, DoorDash and Instacart incentives.

Unique entry to leisure experiences.

Welcome bonus

card_name doesn’t supply a brand new cardholder incentive. Nonetheless, card_name affords the next: 

With the card_name, you may bonus_miles_full

Welcome bonus winner: card_name


card_name retains it easy for cardholders with its flat-rate rewards system the place they will bonus_miles. Nonetheless, you will get much more out of card_name’s rewards program. Though it pays simply 1.5% money again on on a regular basis purchases, you may earn 3% money again on eating and drugstore purchases and 5% on journey booked by way of Chase Final Rewards.

Rewards winner: card_name

Annual price

Neither card fees an annual price.

Annual price winner: Tie


card_name includes a longer promotional APR interval. Nonetheless, it solely applies to stability transfers. 

card_name cardholders get a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration. Nonetheless a foreign_transaction_fee price applies to every stability switch, making this profit a greater deal for purchases. 

APR winner: card_name

Overseas transaction

Cardholders pay a 3% overseas transaction price with each playing cards.

Overseas transaction price winner: Tie

Further perks

card_name affords a number of added perks to cardholders, together with: 

  • An annual referral bonus of as much as $500.
  • Buy, prolonged guarantee and nil legal responsibility protections.
  • Rental automobile collision injury waivers.
  • Journey interruption and cancellation insurance coverage. 
  • Lyft, DoorDash and Instacart reductions.
  • Free weekly credit score rating updates with Chase Credit score Journey.

The incentives the card_name affords don’t fairly examine. You’ll get unique entry to leisure experiences and customary fraud safety towards unauthorized fees. Nonetheless, there isn’t rather more that comes with this card by way of added perks.

Further perks winner: card_name

Which card earns essentially the most?

It relies on your spending patterns. Under is a breakdown of how a lot you’d earn in case you spent $750 in every class:

Chase Freedom Limitless®

Usually talking, you may make more money again with card_name as there are extra bonus classes. Moreover, this desk accounts for the 1% earned after the acquisition is repaid, so card_name affords the next reward of 1.5% on the time of buy. 

The desk additionally excludes earnings for journey booked by way of Chase Rewards. Utilizing the identical spending determine of $750, you’d earn an extra $37.5 in money again rewards. However as proven above, you’d solely earn $15 with the card_name.

Our suggestions

Why we advocate card_name


card_name’s welcome bonus, beneficiant rewards program and added perks make it the higher possibility. Your incomes potential is larger in case you journey or dine out quite a bit. And when you think about the welcome bonus for brand spanking new cardholders, it’s the plain selection to maximise your money again rewards.

Why you’ll nonetheless go for card_name


card_name might work in case you want a card with a easy rewards program. You’ll get 2% money again on all purchases: 1% if you make the acquisition and 1% if you repay it. This alleviates the stress of getting to make purchases in particular classes to maximise earnings. 

It’s additionally excellent in case you’re trying to consolidate debt. You’ll get a barely longer promotional curiosity interval of 18 months in comparison with the 15 months provided with card_name. The card_name has a BT chage of balance_transfer_fees whereas the card_name has an balance_transfer_fees, making card_name the higher selection for stability transfers. 

Bonus classes vs. flat price 

card_name and the card_name are on the high of the money again rewards playing cards checklist. The most effective match for you relies on your spending habits. Nonetheless, card_name is extra interesting as a result of its bonus classes and welcome money again supply. 

For those who’d want a flat-rate incomes system, the card_name may very well be an excellent match. And in case you plan to do a stability switch, you would save a bundle in curiosity. 

In the end, you may’t go unsuitable with both card. And also you gained’t pay an annual price no matter which you select. 

Ceaselessly requested questions (FAQs)

Is the card_name laborious to get?

card_name typically requires an excellent or wonderful credit score rating: 700 or increased. You’ll additionally have to show you could have a large quantity of regular revenue.

What’s the max credit score restrict on card_name?

Some cardholders have reported credit score limits of as much as $14,000. Nonetheless, Chase doesn’t disclose minimal and most credit score limits for card_name

*APR is present as of April 13, 2023. APR is variable and adjustments usually. Examine together with your bank card supplier for the newest APR.

The data offered right here is created independently from the TIME editorial workers. To study extra, see our About web page.