Ask the expert

Add captcha
Enter the text shown above:

What's the difference between the Chase Freedom and Chase Sapphire cards? Which one is preferred?

By , CardRatings contributor
  • Google +
  • Twitter
  • Facebook

American Express is a CardRatings.com advertiser.

Question: What's the difference between the Chase Freedom and Sapphire cards? Which one is preferred?

Answer: That's a bit like asking whether you prefer the Frappuccino or the Vivanno, even though you get them both at Starbucks. Both rewards credit cards seem to be geared to different consumer groups.

If you travel often, you'll probably prefer the Chase Sapphire® Preferred Card. If you're looking for more opportunities to earn cash back the Chase Freedom® offer may be a better fit for you. Let's run down some of the key points between the two rewards cards:

  • Bonus offers: Chase Freedom appeals to budget-conscious consumers with a current offer of $100 Bonus after spending $500 on purchases in your first 3 months from account opening. In addition after you add your first authorized user and make a purchase within this same 3ÔÇÉmonth period earn a $25 Bonus. Chase Sapphire Preferred Card hooks frequent travelers with 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. And offers 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.

  • Bonus rebate offers: Chase Freedom cardholders can earn up to 5 percent back on purchase categories that rotate every quarter up to $1,500 in combined purchases (quarterly spend cap) and after activating the bonus each quarter. Chase Sapphire Preferred Card cardholders can get 2X points when using their credit card on dining at restaurants and travel and 1 point per dollar spent on all other purchases.

  • Reward redemptions: Chase Freedom pays out a cash back reward as a statement credit every three months. Chase Sapphire Preferred Card lets you accrue points that you can redeem 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.

  • Customer service: Chase Sapphire Preferred Card members get an exclusive perk. Call the number on the back of your card, and you can get direct access to a customer service specialist anytime.

  • Annual fee: Chase Sapphire Preferred Card offers an introductory annual fee of $0 the first year, then $95. The Chase Freedom does carry an annual fee.

Both cards feature Chase's "Ultimate Rewards," a program the Wall Street Journal covered when it launched in 2009. At the time, WSJ pointed out that Chase program managers wanted to streamline some of the rewards offered in the credit card issuer's previous version of the Freedom card. Chase also wanted to compete more aggressively against American Express, launching a Sapphire card to appeal to the kinds of cardholders accustomed to carrying The Platinum Card® from American Express or Centurion cards.

Both Chase cards also happen to include one of our favorite features, the Chase Blueprint online service. Blueprint helps you manage your plan to pay down balances faster, especially when you've been making major purchases. If you're really on the bubble and you've got the excellent credit score needed to qualify for either card, just take a look at which card would best fit your needs.

0 Responses to "What's the difference between the Chase Freedom and Chase Sapphire cards? Which one is preferred?"

No Comments

Leave a Comment
About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.

How do your cards stack up?

Compare your card starting here


Featured Partner Cards