Which card earns more rewards, the Chase Freedom Unlimited or Upgrade Triple Cash Rewards?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the Upgrade Triple Cash Rewards?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Unlimited or Upgrade Triple Cash Rewards?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the Upgrade Triple Cash Rewards?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Chase Freedom Unlimited or Upgrade Triple Cash Rewards?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited or the Upgrade Triple Cash Rewards?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Chase Freedom Unlimited vs Upgrade Triple Cash Rewards

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Upgrade Triple Cash Rewards wins on auto maintenance. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

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Earn Rates

Category	Chase Freedom Unlimited	Upgrade Triple Cash Rewards
Auto Maintenance	1.5X	3X
Dining	3X	1X
Drugstores	3X	3X
Fitness & Gyms	1.5X	3X
Healthcare	1.5X	3X
Home Improvement	1.5X	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

—

Cons

−3% foreign transaction fee
−1.5% base rate lower than Freedom Flex's 5% rotating categories
−Points worth only 1 cent without Sapphire card pairing
−No premium travel insurance or lounge access
−Lower welcome bonus than Sapphire cards

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Category-by-Category Winner

The Upgrade Triple Cash Rewards wins in 5 of 7 categories. The Chase Freedom Unlimited leads in 2.

Dining

Chase Freedom Unlimited earns 3X vs 1X

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 1.5X

Fitness & Gyms

Upgrade Triple Cash Rewards earns 3X vs 1.5X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 1.5X

Home Improvement

Upgrade Triple Cash Rewards earns 3X vs 1.5X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 1.5X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Spend $300+/month on restaurants and dining out
Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Upgrade Triple Cash Rewards?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited or the Upgrade Triple Cash Rewards?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

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Chase Freedom Unlimited — Full Review All Chase Cards

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Official issuer pages: Chase cards · Sutton Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Chase Freedom Unlimited vs Upgrade Triple Cash Rewards

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Upgrade Triple Cash Rewards wins on auto maintenance. Here's how they compare.