Blue Cash Everyday Card vs Chase Freedom Unlimited

Fees, rewards and real yearly value, side by side. Updated October 29, 2026.

Blue Cash Everyday Card

Estimated value every year on typical spending

$480/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $680

+$480rewards−$0annual fee

Chase Freedom Unlimited

Estimated value every year on typical spending

$540/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $740

+$540rewards−$0annual fee

The short answer

On typical spending, the Chase Freedom Unlimited comes out ahead: about $540 a year after its fee, against $480 for the American Express Blue Cash Everyday Card.
The American Express Blue Cash Everyday Card earns more on groceries, gas.
The Chase Freedom Unlimited earns more on dining, travel, everything else.

Side by side

	Blue Cash Everyday Card	Chase Freedom Unlimited
Annual fee	$0	$0
Rewards	3% cash back on eligible purchases at U.S. supermarkets, U.S. online retail purchases, and gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)	1.5% cash back; 3% on dining and drugstore purchases; 5% on travel purchased through Chase Travel
Welcome bonus	As High As $200 Cash Back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.	Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Credits counted	$0/yr	$0/yr
Intro APR	0% for the first 15 months	0% for the first 15 months
Regular APR	19.74% to 28.74% variable	18.49% to 29.99% variable
Foreign transaction fee	2.7%	None
Credit needed	Not specified	Not specified

Yearly rewards by category

Category (monthly spend)	Blue Cash Everyday Card	Chase Freedom Unlimited
groceries ($500)	$180	$90
dining ($400)	$48	$144
gas ($200)	$72	$36
travel ($300)	$36	$54
everything else ($1,200)	$144	$216

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

Which is better, the American Express Blue Cash Everyday Card or the Chase Freedom Unlimited?

On typical spending the Chase Freedom Unlimited is worth more: about $540 a year after its fee, against $480 for the American Express Blue Cash Everyday Card. Which is better for you depends on where you spend most; see the category answers below.

Which is better for groceries?

The American Express Blue Cash Everyday Card. On $500 a month of groceries it earns about $180 a year, against $90 with the Chase Freedom Unlimited.

Which is better for dining?

The Chase Freedom Unlimited. On $400 a month of dining it earns about $144 a year, against $48 with the American Express Blue Cash Everyday Card.

Which is better for travel?

The Chase Freedom Unlimited. On $300 a month of travel it earns about $54 a year, against $36 with the American Express Blue Cash Everyday Card.

Which is better for gas?

The American Express Blue Cash Everyday Card. On $200 a month of gas it earns about $72 a year, against $36 with the Chase Freedom Unlimited.

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Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.