Chase Freedom Unlimited vs. Apple Card
On the criteria below, Chase Freedom Unlimited wins 3 of 5. The verdict depends on which criteria matter to you.
Chase Freedom Unlimited
Chase
Apple Card
Goldman Sachs Bank USA
Chase Freedom Unlimited wins 3 of 5 criteria here, making it the stronger all-rounder.
Chase Freedom Unlimited wins on first-year math, earning ceiling, and travel insurance; Apple Card wins on foreign transactions.
Pick the Chase Freedom Unlimited if year-one math is your priority.
Who wins what
3 vs 1 (1 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 Chase Freedom Unlimited
Chase Freedom Unlimited earns more on its best category (5× vs 3×).
- Travel insurance Chase Freedom Unlimited
Chase Freedom Unlimited carries built-in travel insurance.
- Foreign transactions Apple Card
Apple Card 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×
- 3×
- Top categories
- Chase Travel, Dining, Drugstores
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- Apple Daily Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.