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 an excellent no-annual-fee credit card that provides significant value through its rewards program and flexible redemption options. Its reputation is strong, supported by positive reviews from major financial publications and user sentiment. The card's strengths lie in its tiered rewards structure (5% on travel booked through Chase, 3% on dining and drugstores, and 1.5% on all other purchases) and the ability to earn Chase Ultimate Rewards points, which can be redeemed for cash back, travel, or transferred to partner programs. The $250 sign-up bonus and the absence of an annual fee further enhance its appeal. While the regular APR can be high, the intro APR offer provides a valuable short-term benefit. The lack of foreign transaction fees is another positive. The primary weaknesses are the potentially high regular APR and the fact that the 1.5% base rewards rate is not the highest available, as some cards offer a flat 2% cash back. However, the card's strengths outweigh these weaknesses, making it a strong contender for those seeking a versatile and rewarding no-annual-fee credit card.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Rewards on dining, drugstores, and travel
Things to consider
- High regular APR
- Balance transfer fee applies
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
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.
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.
- 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.
- Keep tabs on your credit score for free Get your credit score, customized score improvement plans provided by Experian, and identity monitoring - all for free with Chase Credit Journey.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
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.