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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.
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Chase Freedom Unlimited®
SIGN-UP BONUS
Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
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
18.99% - 28.49% Variable
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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.
- 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 18.99% - 28.49%.
- 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, alerts, and more.
- Member FDIC
Additional Info
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
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 Mar 28, 2025
The Chase Freedom Unlimited® card is the latest addition to Chase's already robust list of rewards credit cards. With this card, you can 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 limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
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. After the intro period is up, the ongoing APR will be 18.99% - 28.49% 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.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
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Welcome Offer
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Rewards Rate
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
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