Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Chase Freedom Unlimited® Credit Card (no annual fee) and the Gemini Credit Card® (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Chase Freedom Unlimited earns more on flights, hotels, other travel and other purchases, Gemini on groceries and gas. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Chase Freedom Unlimited | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 1.5% | 2% |
| Gas Rewards | 1.5% | 4% (up to $3,600/yr) |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1.5%. |
None |
| Key Benefits | 3% on dining and drugstores, 5% on Chase Travel. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Chase Freedom Unlimited pulls ahead for travel spending.
Gemini Credit Card wins on groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.