Chase
Chase Freedom Unlimited® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 15 months from account opening on purchases and balance transfers. |
| Regular APR | After the intro period, a variable APR of 18.24Min. of (6.75+11.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99%. |
| Other Fees | Balance transfer fee applies, see pricing and terms for more details. |
About this card
The Chase Freedom Unlimited card is a solid choice for consumers seeking a no-annual-fee card with decent rewards and an intro APR period. The rewards program is a key strength, offering bonus cash back on dining, drugstores, and travel booked through Chase, although the base rate is only 1.5%. The lack of an annual fee significantly boosts its value proposition, making it accessible to a wide range of users. The intro APR on purchases and balance transfers can be beneficial for those looking to finance purchases or transfer existing balances. However, the potentially high regular APR is a drawback that cardholders need to be aware of. Without a reputation rating, I weighted the strengths and weaknesses based on typical consumer priorities. Overall, its strengths outweigh its weaknesses, earning it a good rating.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back.
Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services.
- Earn 3% on drugstore purchases.
- Earn 5% on travel purchased through Chase TravelSM.
- Earn 1.5% on all other purchases.
- Earn 2% total cash back on Lyft rides with your Freedom Unlimited card through September 30, 2027. That's .5% cash back in addition to the 1.5% cash back you already earn.
- You'll earn 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027. That's 0.5% additional cash back on top of the 1.5% cash back earned on each purchase in the rewards program.
Other features
- Cash Back rewards do not expire as long as your account is open.
- And there is no minimum to redeem for cash back.
- Zero Liability Protection
- Means you won't be held responsible for unauthorized charges made with your card or account information.
- Purchase Protection
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Extended Warranty Protection
- Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.
- Trip Cancellation and Interruption Insurance
- You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- 24/7 Fraud Monitoring
- We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
- Auto Rental Coverage
- Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Travel and Emergency Assistance
- If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
- Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders.
- Activate by Dec 31, 2027.
- Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- After purchase (formerly My Chase Plan®): Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
Additional Notes
This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

