Credit Cards » Compare Credit Cards » Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?
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Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Whether you're swaying to the simplicity of  Chase Freedom Unlimited or orchestrating a masterpiece like the American Express® Gold Card, these cards are your instruments for financial harmony. Let's dive into the details and find the card that hits all the right notes for your daily financial groove.

General Comparison

The Chase Freedom Unlimited beckons with its simplicity and cash back rewards, offering a straightforward approach to earning and redeeming.

On the other hand, the Amex Gold Card exudes a touch of luxury, boasting robust rewards on dining and groceries, coupled with the prestige of the American Express brand. 

chase freedom unlimited card

Amex gold

Chase Freedom Unlimited®
American Express® Gold Card
Annual Fee
$0
Rewards
Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases.
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases. Terms Apply.
Welcome bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
0% Intro APR
15 months on purchases and balance transfers , then 20.24%–28.99% variable APR
N/A
Foreign Transaction Fee
3%
Purchase APR
20.24%–28.99% variable
21.24% – 29.24% Variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Chase Unlimited vs.Amex Gold: Compare Rewards

When comparing credit card rewards, the significant advantage of the Amex Gold Card is the high ratio of U.S. Supermarkets, restaurants and flights. 

However, the Freedom Unlimited card offers high cashback on travel purchases and overall, presents a great cashback rate compared to other travel cards with no annual fee.

chase freedom unlimited card

Amex gold

Spend Per Category
Chase Freedom Unlimited®
American Express® Gold Card
$15,000 – U.S Supermarkets
$225
60,000 points
$5,000 – Restaurants
$150
20,000 points
$4,000 – Airline
$200
12,000 points
$3,000 – Hotels
$150
3,000 points
$4,000 – Gas
$60
4,000 points
Estimated Annual Value
$785
89,000 points ( $534 – $1,424)

Both card rewards can be redeemed for statement credits, gift cards, and travel. With Amex gold, cardholders can also transfer points to travel partners:

Amex gold Transfer points to Airline and Hotels - Emirates, Etihad, Hawaiian and Hilton honors
Transfer Amex gold points to Airline and Hotels (Screenshot taken by our team from American Express app)

Which Extra Benefits You'll Get With Each Card?

Besides the bonus points and welcome bonuses, both cards come packed with additional perks.  Here, we can see why the Amex gold annual fee is higher – there are many statement credits and other travel benefits offered by the Gold card, which is not available through the Freedom Unlimited.

Chase Freedom Unlimited

chase freedom unlimited card

  • Auto Rental Collision Damage Waiver: Drive with confidence as you get coverage against theft and collision damage. Simply decline the rental company's insurance and charge the entire rental cost to your card. This coverage is applicable to most cars in the U.S. and abroad.
  • Trip Cancellation/Interruption Insurance: Experience flexibility in your travel plans with reimbursement for pre-paid, non-refundable passenger fares. It covers up to $1,500 per person and $6,000 per trip in case your trip is canceled or interrupted due to covered situations.
  • My Chase Plan: Enjoy financial flexibility with My Chase Plan on the Unlimited card. Easily pay off eligible purchases of $100 or more in equal monthly payments with no interest, only a fixed monthly fee.
my chase plan
Using My Chase Plan With the Unlimited card (Screenshot from Chase app)
  • Instacart+ Benefit: Enjoy a complimentary 3-month Instacart+ membership with bthe Freedom Unlimited, granting you unlimited deliveries at $0 delivery fees and reduced service fees on eligible orders.
  • 5% Cash Back/5x Points on Lyft Rides: Elevate your Lyft experience with enhanced rewards on the card through March 31, 2025, providing 5% cash back or 5x points on all Lyft ride purchases.
  • Cellular Telephone Protection: The Unlimited card ensures peace of mind with up to $600 in cell phone protection. Simply pay your monthly cell phone bill with the card, and enjoy coverage, subject to a $25 deductible.
  • Purchase Protection: The card extends a safety net to your new purchases, offering 120 days of coverage against damage or theft. Benefit from up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Amplify your warranty with the Unlimited card, extending the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
American Express Gold Card

Amex gold

  • Up to $120 Uber Credit: Link your new Gold Card to your Uber account to enjoy an automatic monthly Uber Cash credit of $10, which can be used for Uber rides or UberEats orders, up to a maximum annual value of $120.
  • Up to $120 Dining Credit: When you use your Amex Gold Card to pay for dining out at select establishments, including The Cheesecake Factory, Wine.com, Goldbelly, Shake Shack, and Milk Bar locations, you can receive up to $10 in statement credit per month.
  • Baggage Insurance: When you purchase your entire fare for a Common Carrier Vehicle using your Gold card, you are eligible for baggage insurance. This coverage provides up to $500 for checked bags and $1,250 for carry-on bags in case they are stolen, lost, or damaged (with certain limitations in New York State).
  • Up to $100 Experience Credit: Enjoy a $100 experience credit when you book The Hotel Collection through American Express Travel for a getaway of at least two nights. The value of the experience credit may vary based on your chosen property.
American Express membership available offers
American Express membership available offers (Screenshot from American Express app)
  • Global Entry or TSA PreCheck® Credit: Unlock smoother travels with a credit of up to $100 for Global Entry or up to $85 for TSA PreCheck.
  • Car Rental Coverage: When you use your Gold Card to reserve and pay for your entire car rental, you can decline the rental company's collision damage waiver. This coverage protects against theft and damage to the rental vehicle in eligible locations, though certain restrictions and exclusions may apply.
  • Entertainment benefits: Enjoy exclusive experiences and presale tickets for concerts, sports events, and theater performances through the American Express® Gold Card Entertainment Access program, though availability may vary.

  • Luxury hotel perks: Access the American Express Fine Hotels & Resorts program as a cardholder, unlocking benefits like room upgrades, complimentary nights, and daily breakfast for two at participating hotels.

  • High-end concierge service: The Amex Gold Card provides a concierge service for assistance with travel and dining reservations, but availability may limit its ability to fulfill all requests.

Terms apply to American Express benefits and offers.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Amex Gold Card?

There are a few situations where you might want to consider the American Express Gold Card over the Chase Freedom Unlimited Card:

  • You spend a lot on dining and groceries. The Amex Gold Card earns  much higher rewards ratio at U.S. restaurants and up to $25,000 per calendar year in purchases. The Chase Freedom Unlimited Card only earns 1.5x points on all purchases.
  • You want to transfer points to airline or hotel partners. Amex Membership Rewards points can be transferred to a variety of airline and hotel partners, giving you more flexibility in how you redeem your points. Chase Ultimate Rewards points can also be transferred to airline and hotel partners, but the transfer ratios are not as favorable.
  • You want access to additional benefits, such as Uber Cash, dining credits, and airport lounge access. The Amex Gold Card offers a number of additional benefits, such as $10 monthly Uber Cash, up to $120 annual dining credits, and access to American Express Centurion Lounges. The Chase Freedom Unlimited Card does not offer any additional benefits.
Amex gold Transfer Airline & Hotel example
Amex gold Transfer to a partner loyalty program (Screenshot taken by our team from American Express app)

When You Might Want the Chase Freedom Unlimited Card?

 You might want the Chase Freedom Unlimited over the Amex Gold card in the following cases:

  • You want a card with no annual fee. The Chase Freedom Unlimited Card has a $0 annual fee, while the Amex Gold Card has a $250 annual fee. If you're on a budget, the Chase Freedom Unlimited Card is a better option.
  • Cashback is King: If you prioritize cash back over points and enjoy the flexibility of using your rewards however you please, the Chase Freedom Unlimited shines as a reliable companion, allowing you to easily redeem your cash rewards without restrictions.
Chase Freedom Unlimited cash back status on app
Chase Freedom Unlimited cash back status (Screenshot from Chase app)

Compare The Alternatives

Bank of America® travel rewards

capital-one-venture

Wells Fargo Autograph

Bank of America® Travel Rewards credit card
Capital One Venture Rewards Credit Card
Wells Fargo Autograph℠ Card
Annual Fee
$0
$95
$0
Rewards
1.5X 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
1X – 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
Welcome bonus
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
75,000 miles
20,000 Points 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
Foreign Transaction Fee
$0
$0
$0
Purchase APR
18.24% – 28.24% Variable APR will apply.
19.99% – 29.99% (Variable)
20.24% – 29.99% variable

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Compare American Express Gold Card

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Amex Gold Card vs. Capital One Venture X : Which Premium Card Is Best?

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Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.