Card Comparison
Chase Freedom Unlimited vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
30,000 points
Spend $500 in 3 months
See issuer
Top Earn Rates
- Chase Travel 5x
- Dining 3x
- Drugstores 3x
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Cash back only
Common Questions: Chase Freedom Unlimited vs Discover it Cash Back
Is the Chase Freedom Unlimited or Discover it Cash Back better for dining?
Chase Freedom Unlimited earns 3x on dining; Discover it Cash Back has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Freedom Unlimited currently offers 30,000 pts signup bonus (spend $500 in 3 months). Discover it Cash Back offers $200 signup bonus. 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 Chase Freedom Unlimited and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Unlimited is from Chase and Discover it Cash Back is from Discover, so they're governed by separate bank policies.