Chase Freedom Unlimited® vs Navy Federal cashRewards Secured
Chase Freedom Unlimited® earns more in 4 of the 4 categories we track. Neither has an annual fee.
The basics
| Detail | Chase Freedom Unlimited® | Navy Federal cashRewards Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Chase Ultimate Rewards | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1.5x | 1x |
| Welcome bonus | 20,000 Chase Ultimate Rewards after $500 in 90 days | — |
What each earns
| Category | Chase Freedom Unlimited® | Navy Federal cashRewards Secured |
|---|---|---|
| Card Travel Portals | 5.0% (higher) 5x | 1.0% 1x |
| Dining & Restaurants | 3.0% (higher) 3x | 1.0% 1x |
| Drugstores & Pharmacies | 3.0% (higher) 3x | 1.0% 1x |
| Everything else | 1.5% (higher) 1.5x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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