Amazon Visa vs Chase Freedom Unlimited®
Side-by-side comparison
| Amazon Visa | Chase Freedom Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 Amazon Gift Card upon approval | $200 cash bonus |
| Dining | 2x | 3x |
| Groceries | 3x | 1.5x |
| Gas | 2x | 1.5x |
| Travel | 1x | 1.5x |
| Streaming | 1x | 1.5x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $470 | $490 |
| Points type | Cash back only | Pools with Chase → transferable |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Amazon Visa earns about $470 a year in rewards and the Chase Freedom Unlimited® about $490, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The two are close on value, but the Amazon Visa edges ahead by about $11 a year, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Chase Freedom Unlimited® earns points you can move to travel partners for outsized value, while the Amazon Visa pays plain cash back. Favor the Chase Freedom Unlimited® if you will use travel transfers, the Amazon Visa if you want simplicity. On the sign-up bonus, the Chase Freedom Unlimited® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amazon Visa if your spending leans toward groceries, gas. Pick the Chase Freedom Unlimited® if your spending leans toward dining, travel, streaming.