Chase Freedom Unlimited vs Discover it Cash Back
Simple everyday cash back cards with no annual fee. We rank by total net annual value on a balanced monthly spend profile.
Key facts
For ~$3,000/month balanced spend profile, Chase Freedom Unlimited® Credit Card has the higher ongoing annual value at $661 per year, versus $417 for Discover it® Cash Back. Ongoing value is spend rewards plus perks, minus the annual fee. The welcome bonus is first-year only.
- Chase Freedom Unlimited® Credit Card
- Ongoing value $661 · annual fee none · first-year value $861
- Discover it® Cash Back
- Ongoing value $417 · annual fee none · first-year value $417
Higher net value
| Metric | Chase Freedom Unlimited® Credit Card | Discover it® Cash Back |
|---|---|---|
| Ongoing annual value | $661 | $417 |
| First-year value (incl. bonus) | $861 | $417 |
| Spend rewards | $651 | $417 |
| Perks & credits | $10 | $0 |
| Welcome bonus | $200 | — |
| Annual fee | None | None |
Calculated using ~$3,000/month balanced spend profile. See methodology.