Chase Freedom Unlimited®

Chase Freedom Unlimited®

on Chase's website

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

on Chase's website

Card details

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • Earn unlimited 1.5% cash back on all purchases.

  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.

  • No annual fee

  • No minimum to redeem for cash back

  • Cash Back rewards do not expire as long as your account is open

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%-5%

  • Bonus offer

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Intro APR

    0% on Purchases for 15 months

  • Ongoing APR

    APR: 14.99% - 23.74% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3% of each transaction in U.S. dollars

Recommended credit score

Compare to other cards

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

14.99% - 23.74% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% on Purchases for 15 months

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Claire Tsosie

Rating details

4.8

Editor's overall rating

Pros and cons

Pros
  • High rewards rate and no minimum redemption

  • No annual fee

  • Intro APR period on Purchases

Cons
  • Has foreign transaction fee

  • No ongoing bonus 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®.