The Chase Freedom Unlimited is built for someone who wants one no-annual-fee card that works well almost everywhere. It is strongest as an everyday spending card, especially if you spend regularly on dining and want a better-than-1% return on purchases that do not fit bonus categories.
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Terms Apply. For rates and fees of Chase Freedom Unlimited®, please visit the Chase website.
Dining and takeout
General everyday purchases
Chase points beginners
Yes, for the right cardholder. The Freedom Unlimited is easy to recommend if you want a simple no-annual-fee card with solid everyday rewards: elevated earnings on dining and drugstores, 1.5% back on everything else, and the option to earn Chase Ultimate Rewards instead of plain cash back. That makes it especially appealing if you already have, or may later add, a premium Chase card that can unlock more value from those points.
Its limits are straightforward. The travel bonus only applies through Chase Travel, and the 3% foreign transaction fee makes it a poor choice abroad. If your main goal is a flat-rate card for all spending, some competitors offer a higher base return. But for domestic everyday use, especially within the Chase ecosystem, this is one of the easier no-fee cards to keep long term.
The Freedom Unlimited is a strong everyday card for people who want simple rewards with a little extra on dining and solid value inside the Chase points ecosystem. Its main drawback is that it is less useful for international spending and not the highest flat-rate option if you want one card for absolutely everything.
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
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards percent based on a valuation of 1.25¢ per Ultimate Rewards point
This card keeps the rewards structure simple: higher returns in a few common categories, then 1.5% back on everything else. The real appeal is that those rewards can be more useful if you pair the card with other Chase Ultimate Rewards cards later on.
Travel (Chase Travel)
Drugstore Purchases, Dining at Restaurants (Including Takeout and Eligible Delivery Service)
All Other Purchases
Est. Annual Rewards
There is no annual fee here, so the practical value comes from a handful of smaller ongoing perks rather than big statement credits. If you use DoorDash and can take advantage of the included discounts, those benefits are the ones most likely to matter regularly.
Enrollment is required for select benefits
Our app automatically tracks valuable credits so you don't miss any rewards.
DoorDash non-restaurant promoPurchase 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).
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.
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.
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
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
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.
Annual Fee
$795
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Terms apply.
See rates & fees.
