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Compare Cards: Chase Freedom Unlimited® vs. Wells Fargo Active Cash vs. Chase Sapphire Preferred® Card
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| Earning Rates | |||
|---|---|---|---|
First-year value Welcome offer + annual credits − annual fee | +$290 | +$100 | +$1,280 |
| Annual Fee | Waived | Waived | $95 |
| Credit Required | Good | Good | Excellent |
| Foreign Fee | $3 | Waived | Waived |
| Welcome Offer | $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Spend $500 in 3 mo | $100 Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Spend $500 in 3 mo | 75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo |
| Network | visa | visa | visa |
| Earning Rates | |||
| All Purchases | — | 2× | — |
| All other travel | — | — | 2× |
| Dining | 3× | — | 3× |
| Drugstores | 3× | — | — |
| Gas and EV charging | — | — | 3× |
| Online grocery purchases | — | — | 3× |
| Other | 1.5× | — | 1× |
| Top streaming services | — | — | 3× |
| Travel | — | — | 5× |
| Travel purchased through Chase Travel | 5× | — | — |
| Vacation homes | — | — | 3× |
| Benefits & Credits | Annual Credits
| — | Annual Credits
Lounge Access 0 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026 |
| Insurance | Secondary Purchase Protection Extended Warranty | Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty | |