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Chase Freedom Unlimited

Chase Freedom Unlimited card art

Estimated value every year on typical spending

$540/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $740

+$540rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Chase

Is it worth it?

With no annual fee, the Chase Freedom Unlimited can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $540 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

The fine print

Intro APR
0% for the first 15 months
Regular APR
18.49% to 29.99% variable
Foreign fee
None
Top perk
6 months of DashPass
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 1.5% cash back
  • 3% on dining and drugstore purchases
  • 5% on travel purchased through Chase Travel

Sign-up bonus

$200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Best for

  • Big spenders on dining
  • Simple flat-rate cash back
  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
0% for the first 15 months
Regular APR
18.49% to 29.99% variable
Balance transfer fee
Balance transfer fee applies, see pricing and terms for more details.
  • $400/mo on dining earns about $144/year (3%).
  • $1200/mo on everyday spending earns about $216/year (1.5%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Chase Freedom Unlimited: questions people ask

Is the Chase Freedom Unlimited worth it?

With no annual fee, the Chase Freedom Unlimited can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $540 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

What is the Chase Freedom Unlimited annual fee?

The Chase Freedom Unlimited has no annual fee ($0).

What is the Chase Freedom Unlimited welcome bonus?

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Chase Freedom Unlimited earn?

1.5% cash back. 3% on dining and drugstore purchases. 5% on travel purchased through Chase Travel.

What credit score do you need for the Chase Freedom Unlimited?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Chase Freedom Unlimited charge foreign transaction fees?

No. The Chase Freedom Unlimited has no foreign transaction fee.

Does the Chase Freedom Unlimited have a 0% intro APR?

0% for the first 15 months. After that the regular APR is 18.49% to 29.99% variable.

Compare Chase Freedom Unlimited

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.