Chase Freedom Unlimited® vs Discover it® Cash Back
Effective return by category
| Category | Chase Freedom Unlimited® | Discover it® Cash Back |
|---|---|---|
| Dining & Restaurants | 6.00% 3x | 1.00% 1x |
| Drugstores & Pharmacies | 6.00% 3x | 5.00% 5x · Rotating (Quarterly) · $1,500 cap |
| EV Charging | 3.00% 1.5x | 5.00% 5x · Rotating (Quarterly) · $1,500 cap |
| Gas Stations | 3.00% 1.5x | 5.00% 5x · Rotating (Quarterly) · $1,500 cap |
| Airfare | 3.00% 1.5x | 5.00% 5x · Rotating (Quarterly) · $1,500 cap |
| Transit & Rideshare | 3.00% 1.5x | 5.00% 5x · Rotating (Quarterly) · $1,500 cap |
| Everything else | 3.00% 1.5x | 1.00% 1x |
Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.
The better question: which one adds more to your wallet?
Ask the Advisor