Bank of America Unlimited Cash Rewards credit card vs. Chase Freedom Unlimited
On the criteria below, Chase Freedom Unlimited wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Chase Freedom Unlimited
Chase
Chase Freedom Unlimited wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Chase Freedom Unlimited wins on earning ceiling and travel insurance.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Chase Freedom Unlimited
Chase Freedom Unlimited earns more on its best category (5× vs 0×).
- Travel insurance Chase Freedom Unlimited
Chase Freedom Unlimited carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- $200
- First-year net
- +$250
- +$200
- Peak earning rate
- —
- 5×
- Top categories
- —
- Chase Travel, Dining, Drugstores
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.