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Card Comparison

Bank of America Unlimited Cash Rewards vs Chase Freedom Unlimited

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
30,000 points
Spend $500 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
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Common Questions: Bank of America Unlimited Cash Rewards vs Chase Freedom Unlimited

Is the Bank of America Unlimited Cash Rewards or Chase Freedom Unlimited better for dining?

Bank of America Unlimited Cash Rewards has no dining bonus; Chase Freedom Unlimited earns 3x on dining.

Which has the higher signup bonus in 2026?

Bank of America Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). Chase Freedom Unlimited offers 30,000 pts signup bonus (spend $500 in 3 months). Chase Freedom Unlimited has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Unlimited Cash Rewards and the Chase Freedom Unlimited?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and Chase Freedom Unlimited is from Chase, so they're governed by separate bank policies.