Skip to content
Credit Card SignUps
Advertiser disclosure: We are paid by partners when you apply for some of the cards on this page through our links. Compensation can affect where and in what order offers appear. It does not affect our ratings or reviews. Read the full disclosure.
Chase Freedom Unlimited card art
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.

See current offer Read issuer terms

At a glance

Issuer terms
Welcome bonus
$200 cash
Spend $500 in 3 months
Annual fee
$0
Purchase APR
See terms
No intro APR
FX fee
3%
Rates accurate as of
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

CategoryRateNotes
Travel via Chase Travel5%Travel purchased through Chase Travel.
Dining3%Including takeout and eligible delivery.
Drugstores3%
All other purchases1.5%
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.
What APR does the Freedom Unlimited charge?
The purchase APR is See terms variable.
Who is the Freedom Unlimited best for?
Chase trifecta builders. No-fee everyday spending.
Similar

Related cards

Apply

Chase Freedom Unlimited

Spend $500 in 3 months
See current offer

Rates accurate as of June 10, 2026. Issuer terms.