Discover it Cash Back vs Chase Freedom Unlimited

Side by side, with every fee, rate and offer as the issuer publishes it.

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Card	Discover Discover it Cash Back	Chase Chase Freedom Unlimited
Annual fee	No fee	No fee
Rewards	5% rotating quarterly categories (up to $1,500), 1% else; Cashback Match first year	1.5% everything, 3% dining & drugstores, 5% Chase Travel
Welcome offer	$200 after $500 spend in 3 months (plus first-year Cashback Match)	$200 bonus after $500 spend in 3 months
Intro APR	0% for 15 months on purchases and balance transfers	0% for 15 months on purchases and balance transfers
Regular APR	18.74%–28.74% variable	18.49%–27.99% variable
Credit usually needed	Good	Good
Network	Discover	Visa
Card type	Cash back	Cash back
Links	Apply ↗ More info ›	Apply ↗ More info ›

Terms checked on Oct. 26, 2026 on the issuer's own site. Rates and offers change; the issuer's page has the final terms.