Bank of America® Unlimited Cash Rewards Secured vs Chase Freedom Rise® Credit Card
Both cards cost $0/yr. The Bank of America® Unlimited Cash Rewards Secured leads on everyday spending; the Chase Freedom Rise® Credit Card on everyday spending.
Card data as of November 13, 2026.
Bank of America® Unlimited Cash Rewards SecuredBank of America · No annual fee
Chase Freedom Rise® Credit CardChase · No annual fee
Overview
- Annual fee
- Bank of America® Unlimited Cash Rewards Secured$0Chase Freedom Rise® Credit Card$0
- Welcome offerCurrent public offer
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card$25 statement credit
- Rewards
- Bank of America® Unlimited Cash Rewards SecuredCash backChase Freedom Rise® Credit CardCash back
- Foreign transaction fee
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card3%
- Network
- Bank of America® Unlimited Cash Rewards SecuredVisaChase Freedom Rise® Credit CardVisa Signature
Earn ratesPer $1 spent
- Everything else
- Bank of America® Unlimited Cash Rewards Secured1.5%Chase Freedom Rise® Credit Card1.5%
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card
- 6 Months Free DashPass ($0 Delivery Fees) · $60 one-time
- $10 Off Quarterly on DoorDash Orders · $40/yr
- Other credits
- Bank of America® Unlimited Cash Rewards Secured
- Potential Graduation to Unsecured Card
Chase Freedom Rise® Credit Card—
Perks & access— means none on record
- Other perks
- Bank of America® Unlimited Cash Rewards Secured
- Digital Wallet Support
- Overdraft Protection
Chase Freedom Rise® Credit Card- Annual Upgrade Evaluation to Freedom Unlimited
- Free Credit Score Tracking via Credit Journey
- Credit Limit Increase Review in 6 Months
- 24/7 Roadside Assistance (Pay-Per-Use)
- Use Your Card Same Day via Digital Wallet
- 24/7 Travel Emergency Assistance Worldwide
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card
- $1,500 Trip Cancellation Insurance Per Person
- Rental car
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card
- $60,000 Auto Rental Collision Coverage
- Purchase & returns
- Bank of America® Unlimited Cash Rewards Secured
- Zero Liability on unauthorized charges
Chase Freedom Rise® Credit Card- $500 Purchase Protection for 120 Days
- 24/7 Fraud Monitoring
- Extended warranty
- Bank of America® Unlimited Cash Rewards Secured—Chase Freedom Rise® Credit Card
- 1-Year Extended Warranty up to $10,000
- Other protections
- Bank of America® Unlimited Cash Rewards Secured
- Customizable Account Alerts
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Chase Freedom Rise® Credit Card- Instant Card Lock/Unlock via App
- 24/7 lost/stolen card assistance worldwide
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Chase Freedom Rise® Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America® Unlimited Cash Rewards Secured | Chase Freedom Rise® Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Rewards: $180 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $210 Year one: $283 | Chase Freedom Rise® Credit Card | Chase Freedom Rise® Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | Rewards: $720 Credits (our usable estimate): $30 − Annual fee ($0) Ongoing: $750 Year one: $823 | Chase Freedom Rise® Credit Card | Chase Freedom Rise® Credit Card |
The Bottom Line
Both scenarios favor the Chase Freedom Rise® Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Bank of America® Unlimited Cash Rewards Secured or Chase Freedom Rise® Credit Card?
- Both cards earn 1.5X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bank of America® Unlimited Cash Rewards Secured have that the Chase Freedom Rise® Credit Card doesn't?
- The Bank of America® Unlimited Cash Rewards Secured focuses on earn rates, while the Chase Freedom Rise® Credit Card offers dining credits.
- Should I get the Bank of America® Unlimited Cash Rewards Secured or the Chase Freedom Rise® Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.