Earn 3%-6.5% With a Limited-Time Deal

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Regular APR

14.99% – 23.74% Variable APR

Credit Score

Good to Excellent

Featured Reward

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Intro APR

0% intro APR on purchases and balance transfers for the first 15 months

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  • Pros & Cons
  • Details

  • Pros
    • Solid flat cash-back rate
    • You can combine cash-back rewards with Ultimate Rewards points if you have an eligible card
    • No annual fee
    • Some other cards offer a higher rate of cash back on certain types of purchases
    • Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% – 23.74%.
    • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

    Read Our Review
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    Review: Is the Chase Freedom Unlimited the best credit card for you?

    If you’re looking for a no-annual-fee credit card that offers a solid return for your everyday spending, the Chase Freedom Unlimited® is an excellent choice. You’ll earn at least 1.5% back on your purchases with no spending caps, and the card’s useful bonus categories can give your rewards earning a big boost.

    Plus, the Chase Freedom Unlimited® offers a welcome bonus of 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back). That means you’ll receive at least 3% back on purchases during your first cardmember year.

    Read more: The best Chase credit cards

    Here’s what this bonus 1.5% bonus means for your return rate:

    • 6.5% cash back on travel purchased through Chase Ultimate Rewards
    • 4.5% cash back on dining and drugstore purchases
    • 3% cash back on all other eligible purchases

    While it’s marketed as a cash-back credit card, it actually earns rewards in the form of Chase Ultimate Rewards points, which are worth 1 cent apiece when you redeem them for cash back. So earning 3% back is the same as earning 3 points per dollar.

    Beyond redeeming points for cash back, you can also use them to book travel through the Chase portal, trade them in for gift cards, or pay with points at Amazon and other participating merchants.

    Comparison: Chase Freedom Unlimited vs other Chase credit cards

    Chase Freedom Unlimited vs other cash-back credit cards

    How to earn rewards with the Chase Freedom Unlimited

    The Chase Freedom Unlimited® has a straightforward earning structure, and no matter the category, you’ll earn at least 1.5% back (1.5x points) on every purchase.

    Cardholders earn:

    • 5% back (5x points) on travel booked through the Chase Ultimate Rewards travel portal (including airfare, hotels, car rentals, cruises, and activities)
    • 3% back (3x points) on dining (including takeout and eligible delivery services)
    • 3% back (3x points) at drugstores 
    • 1.5% back (1.5x points) on everything else

    But new cardholders will receive a 1.5% supercharge on all purchases (for up to $20,000 in spend per year), meaning you’ll receive between 3% and 6.5% for spending.

    Read more: Cash-back card face-off: The Citi Double Cash versus the Chase Freedom Unlimited

    How to redeem Chase Ultimate Rewards points 

    One of the reasons the Chase Freedom Unlimited® is so popular is because the rewards it earns are so flexible. Chase Ultimate Rewards redemption options include:

    • Cash back (1 cent per point)
    • Gift cards (1 cent per point)
    • Airfare, hotels, car rentals, and more through the Chase Ultimate Rewards travel portal (1 cent per point)
    • Apple purchases (1 cent per point)
    • Pay Yourself Back (1.25 cents per point toward eligible charities through December 31, 2022)
    • PayPal and Amazon purchases (0.8 cents per point)

    The last option should be avoided — you’re better off paying for an Amazon or PayPal purchase with your card and using points at 1 cent apiece for a statement credit. Otherwise, you’ll get inferior value.

    The Chase Freedom Unlimited® is a great card on its own, but you can actually boost the value of your rewards when you pair it with certain other Chase credit cards, including the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card. Chase allows you to transfer Ultimate Rewards points between accounts, and by moving your points to one of these cards, you’ll unlock more valuable redemption options — including the ability to transfer points to Chase’s airline and hotel partners. You’ll also have more ways to redeem points through Chase’s Pay Yourself Back program.

    Read more: I use the Sapphire Reserve to increase the value of all my Chase points, and you can use the same strategy to effectively get up to 7.5% back on your spending

    For example, with the Chase Sapphire Reserve®, your points are worth 1.5 cents apiece when you book travel through the Chase travel portal or redeem through Pay Yourself Back. Pairing a Chase Freedom card with the Chase Sapphire Reserve® is one of the best ways to get the most from your Chase Ultimate Rewards points, especially if you like to use points for travel.

    Benefits and features

    The Chase Freedom Unlimited® comes with good purchase and travel protection benefits, some of which you don’t normally see from cards with no annual fee. 

    Purchase protection

    When you pay for an eligible new purchase with your Chase Freedom Unlimited®, you’ll be covered for damage or theft for 120 days, up to $500 per claim and $50,000 per account.

    Read more: Chase credit cards offer purchase protection if a new item is damaged or stolen — here’s how to file a claim

    Extended warranty

    Eligible items you purchase with the Chase Freedom Unlimited®, with a manufacturer’s warranty of three years or less, can receive an additional year of extended warranty coverage.

    Car rental insurance

    When you decline the rental company’s collision insurance and charge the entire rental cost to your card, you’re covered for theft and collision damage on most cars. In the US, coverage is secondary to your personal insurance — otherwise, it’s primary insurance.

    Trip cancellation and interruption insurance

    If you pay with your Chase Freedom Unlimited®, you’re covered for up to $1,500 per person and $6,000 per trip if your trip is canceled or shortened because of illness, severe weather, or other eligible events. 

    Read more: The best credit cards with travel insurance

    Bonus points on Lyft purchases

    You’ll earn 5% cash back (5x points) on purchases made with Lyft through March 2022.

    Complimentary DoorDash DashPass membership

    Chase Freedom Unlimited® cardholders receive a complimentary three months of DashPass, which gets you $0 food delivery fees and reduced service fees on orders of $12 or more with DoorDash and Caviar. After that, you’ll receive a 50% discount on your DashPass membership for the next nine months. Activation is required by March 31, 2022.

    Travel and emergency assistance services

    If you’re away from home and run into trouble, you’ll have access to a travel and emergency assistance hotline that can help arrange things like legal and medical referrals, prescriptions, translation services, and more. Keep in mind any third-party costs are your responsibility.

    Monthly Gopuff credits

    Through December 31, 2023, the Chase Freedom Unlimited® offers $10 per month in Gopuff credits when you add your card as the default payment method to your Gopuff app. Gopuff is a service that offers fast delivery of everyday items like food, alcohol, electronics, and medicine.

    Read more: Eligible Chase cardholders now get $10 a month per card in credits for Gopuff’s rapid delivery service — find out if your card qualifies

    You’ll receive the credit automatically when you make a qualifying purchase with Gopuff. There’s a minimum order amount of $10.95, and a flat $1.95 delivery fee per order.

    Fees and costs

    The Chase Freedom Unlimited® has no annual fee, but you will pay foreign transaction fees, so it’s not a good choice for international purchases. 

    Read more: The best no-annual-fee credit cards 

    New cardholders can take advantage of an introductory 0% APR for 15 months on purchases and balance transfers (then a 14.99% – 23.74% Variable APR). This is handy if you have a large purchase coming up you want to pay for over time without incurring big interest charges. You should only do this if you have the means and a plan to pay off the balance before the introductory APR period expires, otherwise, you could end up with a bunch of high-interest debt.

    As with most other cards, the Chase Freedom Unlimited® charges fees for late and returned payments, cash advances, and balance transfers.

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    Featured Reward

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