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As the names suggest, both the American Express Everyday® Card and Chase Freedom Unlimited® are credit cards designed for your day to day use. Unlike many cards that offer the best rewards for travelers, these cards offer the highest bonuses on everyday items like groceries, gas, and eating out.
However, there are some important differences between the two options that we will examine in more detail, so you can determine which card is the best fit for you and your lifestyle.
General Comparison
Compare Rewards: Which Card Gives More?
Although we’ve looked at a variety of the card features, understanding the real cash benefits can be tricky without a direct scenario comparison. Since both of these cards are designed for everyday spending, we’ll look at typical monthly spending to see what rewards the cards offer, so you can see what rewards you could earn with similar spending.
However, keep in mind to adjust the numbers to your regular spending categories, which may be different – so the exact calculation depends on your personal habits.
|
| |
|---|---|---|
Spend Per Category | American Express Everyday® Card | Chase Freedom Unlimited |
$15,000 – U.S Supermarkets | 21,000 points | $225 |
$5,000 – Restaurants
| 5,000 points | $150 |
$1,000 – Airline | 1,000 points | $50 |
$1,000 – Hotels | 1,000 points | $50 |
$4,000 – Gas | 4,000 points | $60 |
Total Points | 32,000 points | / |
Estimated Redemption Value | 0.6 – 1.6 cent | / |
Estimated Annual Value | $192 – $512 | $475 |
Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more
Compare Welcome Bonus And Fees
Both cards have a sign up bonus that takes the form of cash, rather than points you’ll need to calculate and redeem. The Amex Everyday card offers 10,000 points after you spend $2,000 in purchases on your new card within the first 6 months.
Chase has an even more attractive introductory bonus scheme for its Freedom Unlimited Card – Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..
This is an area where the Amex Everyday and Chase Freedom Unlimited are very similar. Neither card has an annual fee, which is a great saving compared to other cards offered Amex or by Chase. Both card issuers also offer 0% intro APR.
The foreign transaction fees for the cards are also similar. Amex charges 2.7% and Chase charges 3%, with both percentages applying after the conversion to dollars. The only key difference is that while Amex does not allow balance transfers, Chase charges $5 or 5%, but this is reduced to $5 or 3% for the first 60 days.
Compare The Perks
Amex Everyday Card
- Exclusive access to ticket presales. American Express Experiences provide card member only events in cities and exclusive ticket presale access. You can browse concert tours, sporting events and even Broadway shows for exclusive deals.
- Car Rental Damage and Loss Insurance: When you use your card to reserve and pay for the entire rental, if you decline the rental company collision damage waiver, you’ll be covered for Damage or theft in covered territories.
- Send and Split: This allows you to split purchases with other PayPal or Venmo users directly using the Amex App and your Everyday card.
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Terms apply to American Express benefits and offers.
Chase Freedom Unlimited
Instacart+ Benefit: The Freedom Unlimited card provide a complimentary 3-month Instacart+ membership, offering unlimited deliveries with $0 delivery fees and reduced service fees on eligible orders.
5% Cash Back/5x Points on Lyft Rides: The card offers enhanced rewards for Lyft rides through March 31, 2025, giving you 5% cash back or 5x points on these purchases.
Purchase Protection: It offer purchase protection, covering your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: Both cards extend the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
My Chase Plan: Use My Chase Plan, allowing you to pay off eligible purchases of $100 or more in equal monthly payments with no interest, just a fixed monthly fee.
Auto Rental Collision Damage Waiver: The Freedom Unlimited card offer coverage for theft and collision damage when you decline the rental company's insurance and charge the entire rental cost to your card, applicable to most cars in the U.S. and abroad.
Trip Cancellation/Interruption Insurance: It also provide reimbursement for pre-paid, non-refundable passenger fares up to $1,500 per person and $6,000 per trip if your trip is canceled or interrupted due to covered situations.
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