unlimited cash back credit cardIf you’re in the market for a cash back credit card that allows you to earn the same cash back rate on all of your purchases, there’s a good chance you’re considering the Wells Fargo Cash Wise Visa Card or Chase Freedom Unlimited — or both. Although these cards seem quite similar, they’re actually pretty different. Don’t believe us? Keep reading to see how our battle of the unlimited cash back credit cards plays out and find out which one reigns supreme.

Best intro bonus: Wells Fargo Cash Wise Visa Card

In terms of the highest intro bonus, the Wells Fargo Cash Wise Visa Card takes the cake. That’s because cardholders earn $200 when they spend $1,000 on purchases in the first 3 months — that’s a 20% bonus! On the flip side, Chase Freedom Unlimited offers the highest bonus percentage per $1 spent. That’s because when you spend $500 on purchases in the first 3 months, you’ll get a $150 bonus, which is equal to 30% back! Plus, the deal gets even sweeter when you toss in the extra $25 after you add your first authorized user and make your first purchase in the same 3-month period.

Best cash back rewards: Wells Fargo Cash Wise Visa Card

Both cards earn an unlimited 1.5% cash back on all purchases, which is perfect for anyone who wants to make earning cash back easy, since they don’t have to worry about rotating categories or spending caps. What gives the Wells Fargo Cash Wise Visa Card a slight edge over its competition is the 1.8% cash back that you’ll earn on all qualified mobile wallet purchases (e.g., ones made through Apple Pay and Android Pay) made during the first 12 months from account opening.

Best redemption options: Chase Freedom Unlimited

If you’re earning cash back, it’s important for you to know how your cash rewards can be redeemed. While the Wells Fargo Cash Wise Visa Card offers a number of ways to redeem cash back, Chase Freedom Unlimited offers more redemption flexibility. Cardholders can redeem their rewards for direct deposit into an eligible checking or savings account held by a financial institution in the U.S., a check, gift cards, a statement credit, travel, merchandise or services. Wells Fargo Cash Wise Visa Card members can redeem via direct deposit to a Wells Fargo checking or savings accounts, a withdrawal at a Wells Fargo ATM (note that you must have a Wells Fargo checking or savings account for this redemption option), gift cards, merchandise and travel. As you can see, this card offers the most redemption options for Wells Fargo banking customers, which is why we believe Chase Freedom Unlimited takes the cake here.

Longest 0% intro APR: Chase Freedom Unlimited

A long 0% intro APR is important for those who are looking to make a large purchase and avoid interest or complete a balance transfer. Those looking for a longer 0% intro APR should pick Chase Freedom Unlimited because it offers a 15-month 0% intro APR on purchases and a balance transfers. On the other hand, the Wells Fargo Cash Wise Visa Card has a 12-month 0% intro APR on purchases and balance transfers. Although Chase Freedom Unlimited offers a longer 0% intro APR period, the Wells Fargo Cash Wise Visa Card might be a better option for those completing a balance transfer because its balance transfer fee is cheaper — Chase Freedom charges 5% and Cash Wise has an intro fee of 3% for the first 12 months, then it’s 5%.

Lowest annual fee: Tied

You won’t have to worry about an annual fee with either card because both the Wells Fargo Cash Wise Visa Card and Chase Freedom Unlimited have no annual fee.

Best added perks: Tied

Both cards offer unique perks that are, frankly, hard to compare because they’re so different. Kicking things off for the Wells Fargo Cash Wise Visa Card is up to $600 in cell phone protection against covered damage or theft that you can receive when you pay your monthly cell phone bill with your Wells Fargo Cash Wise Visa Card. There is a $25 deductible per claim (you can have a max of 2 claims every 12 months), but this is likely a lot cheaper than the ongoing price you’d pay to get phone coverage through your cell phone provider. Next, cardholders get free access to their FICO credit score every month. Wells Fargo banking customers can also link their account to their Wells Fargo Cash Wise Visa Card to use the card for overdraft protection.

Even though the Wells Fargo Cash Wise Visa Card’s perks are strong, Chase Freedom Unlimited’s perks are nothing to scoff at. Cardholders will enjoy purchase protection that covers their new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account, extended warranty (extending the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less) and auto rental collision damage waiver, which provides coverage for theft and auto rental collision damage waiver that covers most cars in the U.S. and abroad (note that you must pay with your card and decline any insurance options from the rental company).

Best overall: Wells Fargo Cash Wise Visa Card

You really can’t go wrong with either the Wells Fargo Cash Wise Visa Card or Chase Freedom Unlimited. That said, since we must pick one winner, the Wells Fargo Cash Wise Visa Card is the best overall. If you use Apple Pay or Android Pay, you can really take advantage of the card’s 1.8% cash back on all eligible mobile wallet purchases made in the first 12 months. It’s an especially well-rounded card once you add in the generous $200 intro bonus, 12-month 0% intro APR and mobile cell phone protection, which is an awesome credit card perk. Those who are unable to get past the somewhat limited redemption options will likely be happier with Chase Freedom Unlimited, which offers more redemption flexibility, a higher intro bonus percentage per $1 spent and a longer 0% intro APR period.

Want to try out of these cards? Visit our Wells Fargo Cash Wise Visa Card review to apply online, or check out our Chase Freedom Unlimited review to apply online. Also, see our reviews of the best cash back credit cards to see how they compare to other top options.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.