Chase Freedom Unlimited vs. Discover it Cash Back
On the criteria below, Chase Freedom Unlimited wins 2 of 5. The verdict depends on which criteria matter to you.
Chase Freedom Unlimited
Chase
Discover it Cash Back
Discover
Chase Freedom Unlimited wins 2 of 5 criteria here, making it the stronger all-rounder.
Chase Freedom Unlimited wins on first-year math and travel insurance; Discover it Cash Back wins on foreign transactions.
Pick the Chase Freedom Unlimited if year-one math is your priority.
Who wins what
2 vs 1 (2 tie)- First-year math Chase Freedom Unlimited
Chase Freedom Unlimited wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Chase Freedom Unlimited
Chase Freedom Unlimited carries built-in travel insurance.
- Foreign transactions Discover it Cash Back
Discover it Cash Back has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 5×
- 5×
- Top categories
- Chase Travel, Dining, Drugstores
- Rotating Quarterly
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- Discover Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.