Looking for a card that rewards you on every purchase—with no complex rules or high annual fees? The Chase Freedom Unlimited® offers just that. With unlimited cash back, bonus categories, and seamless integration into the Chase Ultimate Rewards® ecosystem, this card is a top pick for anyone who wants reliable, flexible rewards on daily spending. Whether you’re new to rewards or building a smart card combo, it’s a powerful and accessible choice.
What is the Chase Freedom Unlimited®?
The Chase Freedom Unlimited® is a cash back credit card that offers flat-rate and category-based rewards, no annual fee, and strong introductory offers. Unlike traditional cash back cards, it earns Ultimate Rewards® points, which can be redeemed for cash or travel—and even transferred to travel partners when paired with a premium Chase card.
Key Features and Benefits of the Chase Freedom Unlimited®
1. Unlimited Cash Back on Every Purchase
Earn 1.5% cash back on all purchases, with no limit. Whether you’re shopping, dining, or paying bills, every dollar earns rewards.
2. Bonus Categories for Even Faster Earnings
On top of the base 1.5%, you also earn:
- 5% on travel purchased through Chase Travel℠
- 3% on dining (including restaurants and eligible delivery services)
- 3% on drugstore purchases
This blended structure gives you elevated rewards on high-frequency categories—without needing to activate or track rotating categories.
3. Intro APR Offer on Purchases and Balance Transfers
Enjoy a 0% introductory APR on purchases and balance transfers for the first 15 months, then a variable APR applies. This is ideal for big purchases or consolidating balances without interest (terms apply).
4. No Annual Fee
There’s no cost to carry the card, so all the rewards you earn are pure upside.
5. Points = Cash or Travel (You Choose)
Your rewards can be redeemed as:
- Statement credits or direct deposit
- Travel through Chase Travel Portal
- Gift cards or purchases via Amazon
And if you also hold a Sapphire Preferred®, Sapphire Reserve®, or Ink Preferred®, you can combine points and unlock 1:1 transfers to airline and hotel partners, significantly boosting redemption value.
6. Flexible and Simple Redemption
There’s no minimum to redeem for cash back, no categories to activate, and no expiration on rewards as long as your account is open and in good standing.
7. Built-in Purchase and Travel Protections
Even with no annual fee, the card includes useful protections:
- Purchase Protection (up to $500 per claim, $50,000 lifetime)
- Extended Warranty Protection (adds an extra year on eligible warranties)
- Trip Cancellation/Interruption Insurance
- Auto Rental Collision Damage Waiver (secondary coverage)
8. No Foreign Transaction Fees (for travel bookings via Chase Travel)
While the card does charge fees for direct foreign purchases, using it through Chase Travel for international bookings still qualifies for the 5% bonus rate and avoids FX fees.
Important Considerations Before Applying
- Foreign Transaction Fee: A 3% fee applies to purchases made outside the U.S., so this card is not ideal for international travel spending unless used via Chase Travel.
- Requires Good Credit: A FICO score of ~670 or above is generally needed for approval.
- Best When Paired: This card becomes even more powerful when paired with a Chase Sapphire card, allowing you to transfer points for travel rewards instead of just cash back.
How to Apply for the Chase Freedom Unlimited®
1. Visit the Chase Website
Go to chase.com and search for Chase Freedom Unlimited®.
2. Review the Offer
Check for the current introductory cash back bonus (usually based on spending a specific amount within the first 3 months) and 0% APR terms.
3. Click “Apply Now”
Begin the secure online application.
4. Enter Your Details
Provide your name, address, SSN/ITIN, income, housing payment, and employment information.
5. Submit and Review
Once submitted, you may receive an instant decision, or Chase may request further review. Upon approval, the card usually arrives within 5–10 business days.
Conclusion: Is the Chase Freedom Unlimited® Worth It?
Absolutely—especially for everyday spenders who want reliable cash back without complexity.
With 1.5% unlimited cash back, bonus categories, intro APR, and no annual fee, the Chase Freedom Unlimited® is one of the most well-rounded cards available. And when paired with a Chase Sapphire card, it becomes a core piece of a powerful travel rewards strategy.
It’s a simple, flexible, and high-performing card for those who want everyday value—and long-term upside.
Apply Now and start earning unlimited rewards on everything you do.
