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Side-by-side
BECU Business Low Rate Credit Card vs Chase Freedom Unlimited
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/yr; the Chase Freedom Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Business Low Rate Credit Card | Chase Freedom Unlimited |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | $200 bonus |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $500 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | cashback |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
|
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Chase Freedom Unlimited
$0/yr · $200 bonus
Editorial take: Chase Freedom Unlimited
The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or Chase Freedom Unlimited?
- The Chase Freedom Unlimited has the bigger bonus, $200 bonus, worth roughly $200, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the Chase Freedom Unlimited?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Chase Freedom Unlimited's $0 fee is justified by its perks. If you'll use enough of the Chase Freedom Unlimited's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and Chase Freedom Unlimited?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Business Low Rate Credit Card or the Chase Freedom Unlimited first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 months. Chase Freedom Unlimited: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.