Chase Freedom Unlimited®

Chase Freedom Unlimited®

on Chase's website

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

on Chase's website

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Card details

  • 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.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5%-6.5%

  • Bonus 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!

  • Intro APR

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

  • Ongoing APR

    APR: 14.99%-23.74% Variable APR

    Cash Advance APR: 24.99%, Variable

    Penalty APR: 29.99%, 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

14.99%-23.74% Variable APR

Regular APR

15.99%-24.99% Variable APR

Regular APR

N/A

Intro APR

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

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Claire Tsosie

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons
  • 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®.