Chase Freedom Unlimited® Credit Card
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus for $500 in spend, one of the lowest bonus hurdles among major cards
- 0% intro APR for 15 months on purchases and balance transfers
- 3% on dining and drugstores on top of the 1.5% floor
- 6 months of complimentary DashPass plus a $10 quarterly DoorDash promo through 12/31/2027
- Purchase protection for 120 days, up to $500 per item
- Trip cancellation and interruption insurance up to $1,500 per traveler and $6,000 per trip
- Rewards pool with other Chase cards, including Sapphire, for travel redemptions
- Annual fee: $0
- Purchase APR: 0% intro for 15 months, then 18.49% - 27.99% Variable
- Balance transfer APR: 0% intro for 15 months, then 18.24% - 27.74% Variable
- Balance transfer fee: either $5 or 3% in the first 60 days, then either $5 or 5%, whichever is greater
- Cash advance APR: 28.49% Variable, fee either $10 or 5% of each transaction
- Foreign transaction fee: 3% of each transaction in U.S. dollars
- Late payment fee: Up to $40
- A minimum payment 60 days late ends the intro APR and can trigger a penalty APR of up to 29.99%
- Rates and offers verified on the issuer's website on October 26, 2026 and may change.
- You want one card for everything without tracking categories, with 1.5% as the floor.
- You have a purchase or a balance to move and need 15 months at 0% intro APR; transfers in the first 60 days pay the lower 3% fee.
- Your dining and drugstore spending is steady, which lifts your average rate above 2%.
- You hold or plan to hold a Sapphire card, because this card's cash back can convert into travel points in that system.
- You should skip it if you travel abroad often. The 3% foreign transaction fee erases the rewards there.
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Approved at 670 to 739
Chase Freedom Unlimited® Credit Card Review
The Freedom Unlimited is Chase's workhorse: a no-fee card with a floor of 1.5% on everything and useful 3% categories. It also doubles as a financing tool with 15 months of 0% intro APR. This review covers the earning, the intro APR fine print and where it fits.
How You Earn
Every purchase earns at least 1.5%, with three boosted categories on top. There are no caps and no activation.
- 5% on travel purchased through Chase Travel
- 3% on dining at restaurants, including takeout and eligible delivery
- 3% on drugstore purchases
- 1.5% on everything else, unlimited
- 2% total on Lyft rides through 9/30/2027
| Category | Earn rate |
|---|---|
| Chase Travel purchases | 5% |
| Dining and takeout | 3% |
| Drugstores | 3% |
| All other purchases | 1.5% |
How You Redeem
Cash back posts as Ultimate Rewards points you can take as cash or spend, with no minimum redemption.
- Statement credit or direct deposit to most U.S. checking and savings accounts
- Gift cards, Chase Travel bookings and Amazon Shop with Points
- Rewards do not expire while the account is open
Benefits and Protections
For a no-fee card it keeps a useful protection set.
- Purchase protection: 120 days, up to $500 per item
- Extended warranty: one added year on warranties of three years or less
- Trip cancellation and interruption insurance: up to $1,500 per traveler, $6,000 per trip
- Auto rental coverage, secondary in the U.S.
- Zero liability and 24/7 fraud monitoring
- 6 months of DashPass plus a $10 quarterly DoorDash promo through 12/31/2027
Who This Card Is For
It fits three groups: people who want simple cash back, people financing a large purchase over 15 months, and Chase points collectors who use it as the everyday earner beside a Sapphire card.
- First cash back card with no fee and no categories to manage
- Anyone planning a balance transfer inside the 60 day window for the 3% intro fee
- Domestic spenders; take a no-foreign-fee card abroad instead
Comparison
| Feature | Chase Freedom Unlimited® Credit Card | Wells Fargo Active Cash® Card | Citi Double Cash® Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | $200 after $500 in 3 months | $100 after $500 in 3 months | $200 after $1,500 in 6 months |
| Rewards Rate | 1.5% base, 3% dining and drugstores, 5% travel | 2% flat cash rewards | 2% flat: 1% when you buy, 1% as you pay |
| Intro APR | 0% for 15 months, purchases and transfers | 0% for 12 months, purchases and transfers | 0% for 18 months, transfers only |
| Foreign Transaction Fee | 3% | 3% | 3% |
| Best For | Categories plus Chase points | Flat 2% simplicity | Flat 2% with long transfer window |
Issuer Comparison
| Feature | Chase Freedom Unlimited® Credit Card | Chase Freedom Flex® Credit Card | Chase Sapphire Preferred® Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $95 |
| Welcome Offer | $200 after $500 in 3 months | $200 after $500 in 3 months | 75,000 points after $5,000 in 3 months |
| Rewards Rate | 1.5% base, 3% dining and drugstores | 5% rotating categories, 3% dining, 1% base | 5x Chase Travel, 3x dining, 2x travel |
| Key Credits | DashPass 6 months, DoorDash promos | DashPass 6 months, DoorDash promos | $100 hotel, $120 Global Entry, Apple TV |
| Best For | Flat-rate simplicity | Category maximizers | Turning cash back into travel |
Approval results for this card
177 results: 174 approved, 3 denied. Approval rate 94% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | Under 580 | Not sure | $50k to $75k | NY | Sep 2026 |
| Approved | 670 to 739 | Experian | $150k and above | NY | Feb 2026 |
| Approved | 800 and above | TransUnion | $25k to $50k | NY | Feb 2026 |
See all 177 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
