Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bank of America Unlimited Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	1X	3X
Drugstores	1X	3X
All Purchases	1.5X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Chase Freedom Unlimited wins in 3 of 3 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0.

Dining

Chase Freedom Unlimited earns 3X vs 1X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Spend $300+/month on restaurants and dining out
+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Unlimited Cash Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Chase Freedom Unlimited

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America Unlimited Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	1X	3X
Drugstores	1X	3X
All Purchases	1.5X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Chase Freedom Unlimited wins in 3 of 3 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0.

Dining

Chase Freedom Unlimited earns 3X vs 1X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Spend $300+/month on restaurants and dining out
+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards

Bank of America Unlimited Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Unlimited Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	1X	3X
Drugstores	1X	3X
All Purchases	1.5X	1.5X
Everything Else	1X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas

Category-by-Category Winner

The Chase Freedom Unlimited wins in 3 of 3 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0.

Dining

Chase Freedom Unlimited earns 3X vs 1X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Spend $300+/month on restaurants and dining out
+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards