New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
No minimum to redeem for cash back
Cash Back rewards do not expire as long as your account is open
Free credit score, updated weekly with Credit Journey℠
No annual fee
Rates, fees & offers
Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% on Purchases and Balance Transfers for 15 months
APR: 17.24% - 25.99% Variable APR
Cash Advance APR: 27.24%, Variable
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
High rewards rate and no minimum redemption
No annual fee
Intro APR period on Purchases and Balance Transfers
Has foreign transaction fee
No bonus rewards categories
Requires good/excellent credit
The Chase Freedom Unlimited® earns a flat 1.5% cash back on all purchases, and its annual fee is $0.
You can redeem rewards for cash back or statement credit, but you can also use them to book travel directly through the Chase Ultimate Rewards® travel portal — or you can transfer your points to other Chase cards with more valuable redemption options.
It makes an ideal partner for the Chase Freedom® and the Chase Sapphire Preferred® Card.
For more information, see NerdWallet’s full review of the Chase Freedom Unlimited®.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.