Amazon / Chase Prime Visa vs Chase Freedom Unlimited
On an illustrative household's spending, Chase Freedom Unlimited comes out about $594 a year ahead once both annual fees are paid.
The short version
- Over a year: Prime Visa nets $322 and Freedom Unlimited nets $916, after fees of none and none.
- Where it flips: Freedom Unlimited stays ahead at every level of spending this looks at, from a fraction of that household's to many times it.
- Category by category: Prime Visa earns more on 0, Freedom Unlimited on 7 — the table below. Pick by where most of your money goes.
- What they pay in: Prime Visa earns Cash Back (1.00¢ each) and Freedom Unlimited earns Chase Ultimate Rewards (2.00¢ each) — which is why everything here is in dollars.
Priced on a household spending $2,205 a month on a card — the assumption, in full. Credits, perks and welcome offers are not priced; each card's page lists them.
Where each one earns more
| Spending on | Prime Visa per $100 |
Freedom Unlimited per $100 | Better |
|---|---|---|---|
| Restaurants & Bars | $2.00 2% |
$6.00 3x |
Freedom Unlimited |
| Gas Stations | $2.00 2% |
$3.00 base rate |
Freedom Unlimited |
| Food Delivery | $2.00 2% |
$6.00 3x |
Freedom Unlimited |
| Rideshare & Taxis | $2.00 2% |
$3.00 base rate |
Freedom Unlimited |
| Public Transit | $2.00 2% |
$3.00 base rate |
Freedom Unlimited |
| Drugstores | $1.00 base rate |
$6.00 3x |
Freedom Unlimited |
| Everything Else | $1.00 base rate |
$3.00 base rate |
Freedom Unlimited |
Only categories where the two differ and at least one pays a bonus, plus everything else. No rotating or chosen categories are switched on, and a rate that needs the issuer's travel portal is not counted.
Side by side
| Prime Visa | Freedom Unlimited | |
|---|---|---|
| Issuer | Amazon / Chase | Chase |
| Annual fee | none | none |
| Foreign transaction fee | none | 3% |
| Earns | Cash Back | Chase Ultimate Rewards |
| A year, before the fee | $322 | $916 |
| A year, after the fee | $322 | $916 |
| Rates checked | 2026-08 | 2026-08 |
Each card on its own
- Amazon / Chase Prime Visa — every rate, where it ranks, what the issuer lists besides rewards
- Chase Freedom Unlimited — every rate, where it ranks, what the issuer lists besides rewards
- Every travel card, ranked
- Which card adds the most to your own wallet
Carry both? Use the right one.
Cardful picks between them at every checkout, store by store.