Chase Freedom Unlimited
chase
4.3 / 5
- Welcome
- $200 cash
- Annual fee
- $0
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
Chase · freedom
Chase Freedom Flex
4.5 / 5
Cash back · Personal card
A no-fee cash-back card that punches well above its weight, especially when paired with a Sapphire that turns its cash back into transferable points.
At a glance
- Welcome bonus
- $250 cash
- Spend $500 in 3 months
- Annual fee
- $0
- Purchase APR
- 18.49% to 27.99%
- Intro: 0% for 15 months
- FX fee
- None
- BT intro: 0% for 15 months
Editorial
Our take
A no-fee cash-back card that punches well above its weight, especially when paired with a Sapphire that turns its cash back into transferable points.
Verdict
Pros & cons
Pros
- 5% rotating bonus categories
- 3% on dining and drugstores year-round
- No annual fee
- No foreign transaction fee
Cons
- Rotating categories require quarterly activation
- $1,500 cap on the 5% tier
- Cell phone protection ended in September 2026
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Rotating 5% categories | 5% | Rotating bonus categories each quarter, up to $1,500 in combined purchases, activation required.·cap $1,500 |
| Travel via Chase Travel | 5% | On travel purchased through Chase Travel. |
| Dining | 3% | Worldwide dining at restaurants. |
| Drugstores | 3% | At drugstores. |
| All other purchases | 1% |
Benefits
Key benefits
5% rotating categories
Up to $75 cash back each quarter on activated bonus categories.
3% dining and drugstores
Year-round bonus categories that do not rotate.
Pairs with Sapphire
Combine points with a Sapphire card to transfer to airline and hotel partners.
Fit
Who this is best for
- People who actively manage rotating categories
- Households already holding a Sapphire card
- Dining-heavy spenders
FAQ
Frequently asked questions
What is the Freedom Flex welcome bonus?
Earn a $250 bonus after spending $500 on purchases in the first 3 months from account opening.
Does the Freedom Flex charge an annual fee?
No. The Freedom Flex has a $0 annual fee.
Does the Freedom Flex have a foreign transaction fee?
No. The Freedom Flex charges no foreign transaction fee, so it works well for international purchases.
Does the Freedom Flex offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 18.49% to 27.99% variable.
Who is the Freedom Flex best for?
People who actively manage rotating categories. Households already holding a Sapphire card. Dining-heavy spenders.
Similar
Related cards
Prime Visa
chase
4.1 / 5
- Welcome
- $150 cash
- Annual fee
- $0
4.2 / 5
- Welcome
- 20,000 points
- Annual fee
- $0