Chase Freedom Unlimited® vs Mastercard Black Card

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 Mastercard Black Card, a travel card? Read our comparison chart below.

Keep in mind, the Chase Freedom Unlimited has a $0 annual fee, while the Mastercard Black Card has a $495 annual fee ($195 for each Authorized User added to the account).

	Chase Freedom Unlimited®	Mastercard® Black Card™
		Read Mastercard Black Card 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	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Purchase APR	19.74% to 28.49% Variable based on your creditworthiness and other factors	20.49% to 28.49% (Variable) based on your creditworthiness and other factors
Balance Transfers APR	19.74% to 28.49% Variable based on your creditworthiness and other factors	20.49% to 28.49% (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee	3% of each transaction in U.S. dollars	0% of each transaction in U.S. dollars.
Annual Fee	$0 annual fee	$495 annual fee ($195 for each Authorized User added to the account)
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
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.	1.5% value for cash back redemptions
Airline Rewards		2% value for airfare redemptions with no blackout dates or seat restrictions.
Airline Status		Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
Dining Rewards	Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Intro Cash Back Offer Intro APR No annual fee Cons: Foreign transaction fee	Pros: Stainless steel and carbon card Concierge service Travel benefits Cons: $495 annual fee No signup bonus
Bottom Line	Great cash back credit card for everyday purchases... Read full review	Stainless steel and carbon card with luxury benefits... Read full review
		Read Mastercard Black Card Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Mastercard® Black Card™ has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Articles on Chase Freedom Unlimited®

Chase Freedom Unlimited

With a cash back offer and no annual fee, does Chase Freedom Unlimited® live up to the hype? Read this in-depth review to see how it stacks up.

Chase Freedom Unlimited Foreign Transaction Fee

Chase Freedom Unlimited® may not be a good travel partner. Here's what you need to know about its foreign transaction fees.

Chase Freedom Unlimited Credit Limit

Many Chase Freedom Unlimited® users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.