To answer the question for straight cash back between those tywo, Freedom because it has 5% quarterly bonus categories for up to $1500 in spend. The Disney Visa no fee card is always 1%. Next quarter's bonus category is groceries. I will be purchasing $1500 in Disney gift cards at Publix and will get $75 worth of Chase Ultimate Reward points. With the Disney Visa the same purchase would only get me $15 in Disney Dream Reward dollars. That said, there are far better cash back cards out there. The new Freedom Unlimited earns 1.5% as does the Cap One Quick Silver and both have sign up bonuses, Citi double is 2% back but no sign up bonus, Discover It is another great option too.