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WiseIQ Editorial Team
Reviewed by certified financial experts  ·  Updated April 2026
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The Chase Freedom Unlimited® is one of the most versatile no-annual-fee credit cards on the market. It earns 1.5% cash back on all purchases with no categories to track, plus elevated rates on dining (3%), drugstore purchases (3%), and Chase Travel (5%). For most people, it's the ideal everyday spending card.

What makes it particularly powerful is its place in the Chase ecosystem. If you pair it with a Chase Sapphire Preferred or Sapphire Reserve, your Freedom Unlimited rewards convert to transferable Ultimate Rewards points — unlocking airline and hotel transfer partners worth potentially 2 cents per point or more.

Chase Freedom Unlimited®

$0 annual fee · 1.5% on everything · 3% dining & drugstores · $200 bonus after $500 spend

Apply Now →

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Rates, Fees & Key Terms

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APR RANGE
7.80%–35.99%
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$1K–$50K
MIN. CREDIT
300
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FeatureDetails
Annual Fee$0
Sign-Up Bonus$200 after $500 spend in first 3 months
Cash Back — Chase Travel5%
Cash Back — Dining & Drugstores3%
Cash Back — Everything Else1.5% unlimited
Intro APR0% for 15 months on purchases and balance transfers
Ongoing APR20.49%–29.24% Variable
Balance Transfer Fee3% intro (first 60 days), then 5%
Foreign Transaction Fee3%

Who Should Get Chase Freedom Unlimited?

This card works best for people who want simplicity. If you don't want to track rotating 5% categories or remember which card to use where, Freedom Unlimited's flat 1.5% on everything is a reliable, no-friction option. It's also an excellent entry point into the Chase ecosystem for future travel rewards.

✓ Pros

  • $0 annual fee
  • 1.5% on all purchases — no category tracking
  • 3% on dining and drugstores
  • 0% intro APR for 15 months
  • Pairs with Sapphire cards for travel transfers
  • $200 sign-up bonus is easy to earn

✗ Cons

  • 3% foreign transaction fee — not for international travel
  • 1.5% base rate trails some flat-rate competitors (Citi Double Cash pays 2%)
  • No travel or purchase protections at the level of premium cards
  • Requires good credit (670+) to qualify

Chase Freedom Unlimited® — Apply Today

0% intro APR for 15 months · $200 bonus · 1.5% on everything · $0 annual fee

See If You're Pre-Approved →

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Frequently Asked Questions

Does Chase Freedom Unlimited have an annual fee?

No. The Chase Freedom Unlimited has a $0 annual fee, making it one of the best no-fee cash back cards available.

What is the sign-up bonus for Chase Freedom Unlimited?

Chase typically offers a $200 bonus after spending $500 in the first 3 months. The offer can vary, so check the current offer on Chase's website before applying.

Can you transfer Chase Freedom Unlimited points to travel partners?

Not directly. However, if you also hold a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can combine your points and transfer them to Chase's airline and hotel partners at 1:1 ratios.

What credit score do you need for Chase Freedom Unlimited?

Chase typically requires a good to excellent credit score — generally 670 or higher. Applicants with scores above 700 have the best approval odds.

Is Chase Freedom Unlimited or Freedom Flex better?

Freedom Unlimited is better for simplicity — 1.5% on everything, no tracking rotating categories. Freedom Flex is better if you're willing to activate and track 5% quarterly categories. Many people hold both.

Sources & Methodology

WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.

Last reviewed: April 3, 2026  |  How we rank products