Two close rivals, compared by year-1 value on DanHana's default spend profile ($3,200/mo total). Signup bonuses and credits are counted at face value.
Annual fee: $0 vs $0
Signup bonus: $200 bonus after $500 spend in 3 months vs —
Credits (annual face value): $0 vs $0
Annual earn value (default spend): $1,094 vs $1,188
- Earn · Everything else: 1.5x vs 3%
- Earn · Groceries: 1.5x vs 3%
- Earn · Gas (personal): 1.5x vs 3%
- Earn · General travel: 1.5x vs 3%
- Earn · Amazon · Whole Foods: 1.5x vs 3%
- Earn · Office: 1.5x vs 3%
Year-1 value (default spend): $1,294 vs $1,188
Winner by category (annual earn value at default spend)
Dining: Chase Freedom Unlimited ($216/yr vs $144/yr)
Groceries: Robinhood Gold Card ($216/yr vs $162/yr)
Gas (personal): Robinhood Gold Card ($54/yr vs $40/yr)
General travel: Robinhood Gold Card ($108/yr vs $81/yr)
Flights: Chase Freedom Unlimited ($135/yr vs $90/yr)
Amazon · Whole Foods: Robinhood Gold Card ($72/yr vs $54/yr)
Drugstores: Chase Freedom Unlimited ($54/yr vs $36/yr)
Everything else: Robinhood Gold Card ($360/yr vs $270/yr)
Office: Robinhood Gold Card ($72/yr vs $54/yr)
Shipping · Ads: Robinhood Gold Card ($36/yr vs $27/yr)
The break-even point is about $2,170/mo of Everything else spend: below it Chase Freedom Unlimited wins, above it Robinhood Gold Card wins. At the default profile, Chase Freedom Unlimited leads by $106.
There's no universal winner — the answer is which side of the break-even point your own spending sits on.
Benefit details verified against official issuer pages (checked 2026-10-22).