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Chase Freedom Unlimited®

Chase Freedom Unlimited®
Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
Up to $300 cash backEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Reward Rates
5%Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%1.5% cash back on all other purchases.
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Regular APR
19.74% - 28.49% Variable
Annual Fee
$0

Great for:

Earning rewards on every purchase, without having to pay an annual fee. Pro tip: if you also have a Chase Sapphire Preferred® Card, you can transfer your Freedom Unlimited points to your Sapphire account to boost their value even more.

The Chase Freedom Unlimited is one of our top picks for the best credit cards.

Highlights

  • 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 Travel℠, 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 travel purchased through Chase Travel℠, 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 19.74% - 28.49%.
  • 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, alerts, and more.
  • Member FDIC

Features

  • 0% Introductory APR
    0% Introductory APR
  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Good Credit
    Good Credit
  • Low Interest
    Low Interest
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Popular
    Popular
  • Purchase Protection
    Purchase Protection
  • Rewards
    Rewards
  • Travel Accident Insurance
    Travel Accident Insurance
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

5.0 out of 5

Our take: The Chase Freedom Unlimited® card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Chase Freedom Unlimited®

Average Ratings: (collected by Chase)
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2024-12-03.

For customer reviews and the most recent star ratings please click here