Chase Freedom Unlimited vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Unlimited wins 2-0. No-fee everyday card; pairs perfectly with Sapphire Preferred US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen, fully customizable..
Side-by-side
| Criterion | Chase Freedom Unlimited | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 5% (travel) | = 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Unlimited
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 months
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Chase Freedom Unlimited vs US Bank Cash+: which is better?
Chase Freedom Unlimited wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Unlimited for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Unlimited: $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.