Chase Freedom Unlimited®
BEST FOR: Our pick for best bonus categories
Chase Freedom Unlimited® Review
This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Chase Freedom Unlimited®
SIGN-UP BONUS
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
REWARDS RATE
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Cash Back
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!
Introductory APR
0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months
Regular APR
20.49% – 29.24% Variable
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good/ExcellentHighlights
- 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 Travel, 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 Chase Travel, 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 20.49% - 29.24%.
- 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.
- Member FDIC
Additional Info
3% of each transaction in U.S. dollars
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
No
Yes
Yes
Yes
Yes
Yes
No
No
No
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for best bonus categories
From the LendingTree editorial team, updated on Apr 02, 2024
The Chase Freedom Unlimited® card is the latest addition to Chase's already robust list of rewards credit cards. With this card, enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. As a welcome bonus to new cardholders, you can take advantage of an appealing Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
There is also no annual fee with this credit card, so you can earn rewards without having to ever pay a membership fee. Another perk of the rewards program is that you don't have to wait until you've accumulated a certain amount of cash back before you can redeem your rewards; you can redeem your cash back for any amount, anytime.
In addition to the generous rewards program, cardholders will enjoy 0% Intro APR on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 20.49% – 29.24% Variable. Overall, the Chase Freedom Unlimited® card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.
The Good
- The sign up bonus for this card can help you seriously boost your cash back rewards in the first year, and you'll also earn a better than average rewards rate on all purchases.
The Not So Good
- The ongoing APR is a little higher than normal, so it's best to avoid carrying a balance with this credit card. Also, there is a foreign exchange fee of 3% of each transaction in U.S. dollars, so you may want to refrain from using this card overseas.
The Bottom Line
This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.
Related Card Offers
on Wells Fargo's secure site
Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
See Our Review
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
Rewards Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.
Sign-Up Bonus
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
19.24% - 29.24% (Variable)
See Our Review