Chase Freedom Unlimited® vs American Express Gold

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom Unlimited is a great cash back credit card for everyday purchases. How does it compare to American Express Gold, a points card? Read our comparison chart below.

Keep in mind, the Chase Freedom Unlimited has a $0 annual fee, while the American Express Gold has a $325 annual fee.

	Chase Freedom Unlimited®	American Express® Gold Card
		Read American Express Gold Review
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	N/A
Purchase APR	18.99% to 28.49% Variable based on your creditworthiness and other factors	N/A
Balance Transfers APR	18.99% to 28.49% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	3% of each transaction in U.S. dollars	No foreign transaction fee
Annual Fee	$0 annual fee	$325 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
Introductory Bonus Offer		Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Cash Back Rewards	Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
Airline Rewards		Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Point Rewards		Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Grocery Rewards		Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Dining Rewards	Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Airline Transfer Partners		Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Intro Cash Back Offer Intro APR No annual fee Cons: Foreign transaction fee	Pros: Welcome bonus 3X points on flights booked directly with airlines or on AmexTravel.com Cons: $325 annual fee
Bottom Line	Great cash back credit card for everyday purchases... Read full review	Good rewards card for cardholders who fly frequently or eat out... Read full review
		Read American Express Gold Review
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