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  1. Credit Cards
  2. Chase Freedom Unlimited®
Chase

Chase Freedom Unlimited®

The Chase Freedom Unlimited is a versatile card designed for everyday spending, offering elevated cash back on dining, drugstores, and travel booked through Chase alongside a strong baseline rate on all other purchases. It functions effectively as a simple standalone card or as an entry point into the broader Chase rewards ecosystem.

Welcome Offer
Earn a $200 Bonus
Annual Fee
$0
Rec. Credit Score
Good
Good For
Everyday cash back
Learn MoreEstimate your value
Chase Freedom Unlimited®

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Chase Freedom Unlimited® worth it?

This card is great for...

Everyday baseline spending

Dining and food delivery

Chase travel bookings

With no annual fee, the Chase Freedom Unlimited delivers consistent value across everyday spending categories like dining and drugstore purchases while maintaining a solid 1.5% return on general expenses. It is an ideal fit if you want strong daily earnings without the hassle of tracking rotating bonus categories.

The card becomes even more valuable when paired with a Chase Sapphire card, as you can transfer your rewards to unlock higher redemption rates on travel. However, a 3% foreign transaction fee means you should leave this card at home when traveling abroad.

MaxRewards

MaxRewards Verdict

An outstanding no-annual-fee choice for daily expenses and dining, limited mainly by foreign transaction fees when traveling internationally.

Welcome Offer

Earn a $200 Bonus

after you spend $500 on purchases in your first 3 months from account opening

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Earning

Rewards

Earnings come as cash back points that never expire, with bonus categories covering common daily expenses and travel booked through Chase.

CategoryRate

Travel (Chase Travel)

7.5%

Drugstore Purchases, Dining at Restaurants (Including Takeout and Eligible Delivery Service)

4.5%

All Other Purchases

2.3%

Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

Despite having no annual fee, the card provides modest travel and shopping protections along with partner discounts.

BenefitAnnual value
$40

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Chase Freedom Unlimited®DoorDash non-restaurant promo
Autotracked
$0 of $10Every 3 months

Benefits

Insurance

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.


Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).

Benefits

Status & Access

Complimentary DashPass Membership

Get a complimentary DashPass membership on DoorDash and Caviar. DashPass provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

18.24% - 27.74%

Variable

Transfer APR

18.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of Chase Freedom Unlimited®, please visit the Chase website.

Table of Contents

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #3Best Cash Back Credit CardsView list
  • #5Best No-Annual-Fee Credit CardsView list

Other cards from Chase

See all 46 cards
Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details