Chase
Chase Freedom Unlimited® Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Earn $200 bonus cash back. |
| Rewards Rate | 1.5%-5% cash back. |
| 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® is an excellent credit card, earning a strong overall rating of 4.3 out of 5.0. This card excels in providing substantial value, particularly for a product with a $0 annual fee. Its strengths lie in its highly competitive rewards program (rated 4.7/5.0), offering tiered cash back including 5% on travel purchased through Chase TravelSM, 3% on dining and drugstores, and a solid 1.5% on all other purchases. The flexibility of earning Chase Ultimate Rewards points, which can be combined with other Chase cards for higher redemption value, significantly enhances its appeal. The generous and easily attainable sign-up bonus further boosts its initial value. The fee structure is outstanding (rated 4.6/5.0), with no annual fee, making it a compelling long-term card. Its reputation is exceptionally strong, consistently lauded by financial experts and users alike as a top-tier cash-back and points-earning card. Furthermore, the card offers a valuable 0% intro APR for 15 months on purchases and balance transfers, which is a significant benefit for new cardmembers. The primary drawbacks are the potentially high variable regular APR, which ranges from 18.24% to 29.99% after the introductory period (rated 2.7/5.0). While the intro APR is a strong selling point, the higher end of the regular APR spectrum makes carrying a balance after the promotional period quite expensive. Additionally, the presence of a foreign transaction fee is a minor inconvenience for international travelers, especially given its travel rewards category. Despite these limitations, the card's core strengths in rewards, fee structure, and its excellent fit for a broad audience seeking versatile earnings without an annual fee firmly establish it as an outstanding choice in the market.
Pros & Cons
What's great
- No annual fee
- Intro APR period for purchases and balance transfers
- Generous sign-up bonus
- High rewards rate on specific categories and a solid base rate
- Valuable travel and purchase protections
- Complimentary food delivery service benefits
Things to consider
- High regular APR
- Balance transfer fee applies
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.
- 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.)
- The best of your neighborhood. $0 delivery fee. 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.
- Apply for a card, use it the same day: 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
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- Shop with points at Amazon: When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.
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.