Chase Freedom Unlimited®
Chase · VISA · traditional
The Chase Freedom Unlimited® is a credit card from Chase on the Visa network. It has an annual fee of $0. It earns 5% on travel, 3% on dining & restaurants, 1.50% on everything else. The welcome offer is Earn $200 cash back.
Key facts
- Annual fee
- $0
- Purchase APR
- 18.24% - 27.74% Variable
- Intro APR
- 0% Intro APR on Purchases for 15 months
- Credit needed
- Excellent, Good
- Network
- VISA
- Welcome offer
- Earn $200 cash back
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 5% | Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. |
| Dining & restaurants | 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. |
| Everything else | 1.50% | 1.5% cash back on all other purchases. |
Benefits and perks
- Chase Freedom Unlimited® Rates and Fees
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Rates and fees
Annual membership fee: $0. Purchase APR: 18.24% - 27.74% Variable, based on creditworthiness and the Prime Rate. Introductory purchase APR: 0% Intro APR on Purchases for 15 months. Balance transfer APR: 18.24% - 27.74% Variable.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Chase Freedom Unlimited®
What is the annual fee on the Chase Freedom Unlimited®?
The Chase Freedom Unlimited® has an annual fee of $0.
What rewards does the Chase Freedom Unlimited® earn?
The Chase Freedom Unlimited® earns 5% on travel, 3% on dining & restaurants, 1.50% on everything else.
What credit score do you need for the Chase Freedom Unlimited®?
The Chase Freedom Unlimited® is generally listed for applicants with excellent or good credit. Approval also depends on income and the issuer's own criteria.
Is the Chase Freedom Unlimited® worth it?
The Chase Freedom Unlimited® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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