Chase Freedom Unlimited®
on Chase's website
Chase Freedom Unlimited®
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 19.24% - 27.99%.
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: 19.24%-27.99% Variable APR
Cash Advance APR: 29.24%, 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
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR19.24%-27.99% Variable APR | Regular APRSee Terms | |
Intro APR0% intro APR for 15 months on purchases and balance transfers | Intro APR0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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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® offers a compelling combination of valuable rewards, flexible redemption options, a lengthy 0% introductory APR period and a sign-up bonus that’s worth more than most cash-back cards offer — all for an annual fee of $0.
The Chase Freedom Unlimited® earns 3% cash back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases.
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®.
