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Chase Freedom Unlimited®

Chase credit cards are known for great rewards — including both sign-up bonuses and generous rates on spending — and a fantastic points program. Chase issues some of the best co-branded airline, hotel and store credit cards on the market. Its own Chase-branded products, described here, include outstanding travel, cash-back and small-business cards.

Chase Freedom Unlimited Credit Card

on Chase's website

5.0

NerdWallet rating 

on Chase's website

Annual Fee

$0

Rewards Rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • High rewards rate and no minimum redemption
  • No annual fee
  • Intro APR period on Purchases

Cons

  • Has foreign transaction fee
  • Requires good/excellent credit
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • See if you qualify for a better offer with Chase:

Annual Fee

$0

Rewards Rate

1.5%-5%

Cashback

Intro offer

$200

Recommended Credit Score

Pros

  • High rewards rate and no minimum redemption
  • No annual fee
  • Intro APR period on Purchases

Cons

  • Has foreign transaction fee
  • Requires good/excellent credit
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • See if you qualify for a better offer with Chase:

WHY WE LIKE IT?

Chase Freedom Unlimited®

The Chase Freedom Unlimited® is a great deal for consumers — especially for those who already have the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. It offers a compelling combination of valuable rewards, flexible redemption options, 0% intro APR on Purchases for 15 months, and a sign-up bonus that’s worth far more than most cash-back cards offer — all for an annual fee of $0.

As a cash-back card, the Chase Freedom Unlimited® delivers a great treat for new cardholders followed by high ongoing value at a low cost. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Plus, the bonus rewards categories are useful and lucrative. With 3% cash back on dining at restaurants and drugstores, you could spend $3,000 a year combined in those categories and earn $90 annually. With 5% back on travel purchased through Chase Ultimate Rewards®, you could get $300 back on travel costing $6,000, for example. And, there's no minimum to redeem for cash back; cash back rewards do not expire as long as your account is open.



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