Chase Freedom Unlimited
A no-annual-fee cash back card earning at least 1.5% on everything plus bonus categories, with a long 0% intro APR.
Why it ranks
- No annual fee
- Solid flat-rate plus bonus categories
- 0% intro APR
What holds it back
- 3% foreign transaction fee
- Bonus categories capped in value
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee cash back card earning at least 1.5% on everything plus bonus categories, with a long 0% intro APR.
Chase Freedom Unlimited at a glance
| Issuer | Chase |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Extra cash back in the first year on bonus spend |
| Rewards rate | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases |
| Intro APR | 0% intro APR on purchases for 15 months |
| Regular APR | 19.49%–28.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | Everyday spenders who want simple cash back and pair it with Chase points |
| Airport lounge access | No |
Rewards & benefits
- Combine with Sapphire to convert cash back to travel points
- No minimum to redeem
- 0% intro APR period
Eligibility & who it suits
- Good credit score
- Subject to Chase 5/24 rule
How to apply
Check current rates on Chase’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 2 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 3 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) | |
| 4 | CCitiDouble CashNo annual fee · US Citi Double Cash CardFlat-rate maximizers and debt payoff |
None | 1% when you buy + 1% when you pay = up to 2% on all purchases | Cash back welcome offer | 3% | Good (690+) |
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