Freedom Unlimited®: Unlimited 1.5% Cashback on All Purchases with no Annual Fee
Earn unlimited 1.5% cashback on all purchases, plus 3% cashback on travel through Chase Travel℠, dining, and drugstore purchases – all with no annual fee.
The Bottom Line
4.3
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Chase Freedom Unlimited is a strong no-annual-fee card for people who want simple, predictable cashback with bonus rewards on everyday categories like dining and drugstores. It’s easy to use and works especially well as a long-term keeper or as part of a larger Chase setup. The unlimited base rewards make it a solid default card for purchases that don’t fit into bonus categories elsewhere. While it doesn’t offer flashy high-category bonuses, it shines through consistency and simplicity. If you want reliable cashback with no effort and no annual fee, this card is hard to beat.
Freedom Unlimited®
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 27.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstores and dining, plus 1.5% on all other purchases.
1.5% - 5% Cashback
Welcome Offer Earn a $250 cash rewards bonus after spending $500 in the first 3 months.
$250
Welcome Offer
- Limited Time Offer: Earn a $250 cash rewards bonus after spending $500 in the first 3 months.
Rewards
- 5% Cashback on Travel purchased through Chase Travel℠.
- 3% Cashback Categories:
- Drugstores
- Dining, including takeout and eligible delivery services.
- 1.5% Cashback on all other purchases.
Redemption Options
- Flexible Redemption: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and purchases at Amazon.com. Cash rewards do not expire.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
- Regular APR: After the introductory period, a variable APR of 18.24% - 27.74% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered)
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per account.
Lifestyle Perks
- DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
- Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
- 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Shopping & Savings
- Chase Offers: Activate personalized deals from popular merchants and earn automatic cashback when you use your card.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Additional Features
- Free credit score access.
Terms and Conditions
Click Apply Now to see the terms and conditions.
EarnSmart Cashback Strategy
- Chase Freedom Flex®: Earn 5% cashback on quarterly rotating bonus categories (activation required), plus everyday rewards. A strong complement to Freedom Unlimited®, which provides unlimited 1.5% cashback on all purchases when rotating categories don’t apply. 👉 Learn more about Chase Freedom Flex®.
- Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), making it ideal for groceries, gas, or another frequent spending category. 👉 Learn more about Custom Cash®.