Anonymous comparison tool
Which of these two cards should I use?
Choose two cards, a purchase, and a location. SwipeCue shows the estimated dollar result without asking for an account, card number, or bank login.
Last reviewed September 1, 2026 · Card terms and merchant coding can change
Compare two cards you already have
No signup. This calculator excludes unused statement credits so the result is a clean rewards-and-fees comparison.
Published bonus rates can have annual, quarterly, or billing-cycle caps. Use this quick comparison only when the full purchase fits within your remaining bonus cap; it does not prorate a purchase that crosses a cap.
Best of these two
Use Freedom Unlimited
Estimated net value: $6.15 · $0.00 ahead
Chase
Sapphire Preferred
$6.15
Reward rate
3×
Reward value
$6.15
Foreign fee
$0.00
Point value used
2.05¢
Catalog reviewed Aug 30, 2026
Chase
Freedom Unlimited
$6.15
Reward rate
3×
Reward value
$6.15
Foreign fee
$0.00
Point value used
2.05¢
Catalog reviewed Aug 30, 2026
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What the math includes
- Published category and merchant reward rates.
- SwipeCue's displayed point-value assumptions.
- Foreign transaction fees and card-network acceptance.
What this quick tool excludes
- Unused statement credits and manual benefit status.
- Welcome bonuses, interest, and annual-fee allocation.
- Cap-crossing purchases and issuer-specific merchant-coding decisions.
Rewards should not encourage extra spending or carrying a balance. Interest and fees can exceed the value of rewards. Confirm a material purchase against current issuer terms.