Chase Freedom Flex
chase
4.5 / 5
- Welcome
- $250 cash
- Annual fee
- $0
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Chase · freedom
Chase Freedom Unlimited
4.3 / 5
Cash back · Personal card
The best no-fee sidekick in the Chase system. Standalone it is a fine 1.5% card. Paired with a Sapphire it becomes a transfer-partner earning machine.
At a glance
- Welcome bonus
- $200 cash
- Spend $500 in 3 months
- Annual fee
- $0
- Purchase APR
- 18.49% to 27.99%
- Intro: 0% for 15 months
- FX fee
- 3%
- BT intro: 0% for 15 months
Editorial
Our take
The best no-fee sidekick in the Chase system. Standalone it is a fine 1.5% card. Paired with a Sapphire it becomes a transfer-partner earning machine.
Verdict
Pros & cons
Pros
- 1.5% minimum on everything
- 3% dining and drugstores
- Converts to full Ultimate Rewards with a Sapphire
Cons
- 3% foreign transaction fee
- Portal-only 5% travel rate
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Travel via Chase Travel | 5% | Travel purchased through Chase Travel. |
| Dining | 3% | Including takeout and eligible delivery. |
| Drugstores | 3% | |
| All other purchases | 1.5% |
Benefits
Key benefits
Pairs with Sapphire cards
Rewards convert to full Ultimate Rewards points when you also hold a Sapphire Preferred or Reserve, unlocking transfer partners.
1.5% floor on everything
With 3% on dining and drugstores on top.
Fit
Who this is best for
- Chase trifecta builders
- No-fee everyday spending
FAQ
Frequently asked questions
What is the Freedom Unlimited welcome bonus?
Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.
Does the Freedom Unlimited charge an annual fee?
No. The Freedom Unlimited has a $0 annual fee.
Does the Freedom Unlimited have a foreign transaction fee?
Yes. The Freedom Unlimited charges a 3% foreign transaction fee on purchases made outside the US.
Does the Freedom Unlimited 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 Unlimited best for?
Chase trifecta builders. No-fee everyday spending.
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Apply
Chase Freedom Unlimited
Spend $500 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.