Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Chase Freedom UnlimitedChase Freedom FlexChase Sapphire Preferred
Annual fee
No annual fee
No annual fee
$95
Earns into
Chase Ultimate Rewards
Chase Ultimate Rewards
Chase Ultimate Rewards
Card type
Personal
Personal
Personal
Restaurants
3x points
3x points
3x points
Groceries
1.5x points
1x points
3x pointsOnline grocery orders only — not in-store
Flights
1.5x points
1x points
2x pointsBase travel rate
Hotels
1.5x points
1x points
2x pointsBase travel rate
Travel portal
5x pointsBooked through Chase Travel
5x pointsBooked through Chase Travel
5x pointsBooked through Chase Travel
Everything else
1.5x points
1x points
1x points
Who it fits
Anyone who already holds a Sapphire card and wants a better floor on unbonused spend.
—
First-time points users, and anyone who wants transfer partners without a premium fee.
Who it doesn't
People with no Chase points card — as standalone cash back it's ordinary.
—
People who never redeem for travel — a flat cash-back card is simpler and cheaper.
Last documented change
Nothing documented
Nothing documented
August 10, 2026Welcome offer moved to 75,000 points with a matching minimum spend
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.