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Chase Freedom Unlimited

Editor reviewed

No-fee 1.5% floor, 3% dining and drugstores, $200 after $500 in 3 months.

Rates verified September 15, 2026Apply now
Tracked since2026
0 reviews tracked

The Bottom Line

Best for

Someone who wants a no-fee Chase card that pairs with a Sapphire and does not want to activate quarterly categories.

Annual fee

$0

Biggest pro

1.5% floor with 3% dining and drugstore kickers

Biggest con

3% foreign transaction fee

At a glance

Rates verified September 15, 2026
Annual fee
$0
Rewards
5% Chase Travel, 3% dining, 3% drugstores, 1.5% everything else
Welcome bonus
$200 after $500 in 3 months
Regular APR
18.24%-27.74% variable
Intro APR
0% for 15 months on purchases and balance transfers
Recommended credit
good (670+)
Issuer
Chase
Network
Visa

Fees and offers today

Last verified September 15, 2026
ItemValueDetail
Annual fee$0No annual fee
Welcome bonus$200After $500 in purchases in the first 3 months
Intro APR0% for 15 monthsPurchases and balance transfers
Regular APR18.24%-27.74% variableAfter the intro window
Earn rates1.5% / 3% / 5%1.5% floor, 3% dining and drugstores, 5% Chase Travel

What changed. No change to the $0 fee, $200 after $500 bonus, or 18.24%-27.74% regular APR versus the July 23 listing. The page still prints those figures on September 7, 2026.

What it returns in a year

First year
$538

includes the $200 welcome offer ($500 of spend in 3 months)

Every year after
$338

no annual fee to earn back

On $22,500 of annual spending at Chase Freedom Unlimited's base rate of 1.5%, which earns $338 a year. This is a floor: it counts only the rate that applies to every purchase, so bonus categories can push it higher, never lower. Points and miles are valued at 1 cent each, what they are worth as cash back. Transferring to airline or hotel partners can be worth more, but only when award seats exist, so we leave that out of the guaranteed figure.

How this fee compares

$0 annual fee

Welcome offer: $200 after $500 in 3 months. Regular APR 18.24%-27.74% variable.

Last verified September 15, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

Versus named competitors

As of September 7, 2026, Freedom Unlimited is the no-category 1.5% floor at $0. Freedom Flex is the same $0 fee and the same $200 after $500 bonus, but swaps the floor for 5% rotating quarterly categories. Wells Fargo Active Cash is a flat 2% on everything at $0. Unlimited wins if you want a Sapphire pairing and a 1.5% floor you never activate. Active Cash wins as a standalone 2% card. Flex wins if you will activate the quarterly 5%.

ProductAnnual feeWelcome offerVerified
Chase Freedom Unlimited$0$200 after $500 in 3 monthsSeptember 15, 2026
Wells Fargo Active Cash$0$200 after $500 in 3 monthsSeptember 15, 2026
Chase Freedom Flex$0$200 after $500 in 3 monthsAugust 26, 2026
Citi Double Cash$0$200 (as 20,000 ThankYou points) after $1,500 in 6 monthsJuly 23, 2026

Fees and offers change. Named comparisons use each card's last issuer-page check, not a shared snapshot.

What Users Say About Chase Freedom Unlimited

Chase Freedom Unlimited posts a $0 annual fee, a $200 bonus after $500 in 3 months, and a 1.5% cash-back floor as of September 7, 2026, with 3% on dining and drugstores and 5% on Chase Travel. Freedom Flex is the same fee and bonus with 5% rotating categories instead of the floor. Wells Fargo Active Cash is a flat 2% at $0.

Highlights

  • $0 annual fee, confirmed on Chase's page September 7, 2026
  • $200 after $500 in 3 months
  • 1.5% floor plus 3% dining and drugstores

Limitations

  • 3% foreign transaction fee
  • 5% travel rate is locked to Chase Travel
  • Standalone 1.5% trails a flat 2% card

Editorial synthesis from industry coverage, product docs, and early user reports

Editorial policy

What is Chase Freedom Unlimited?

Editorial review
The Chase Freedom Unlimited is the everyday workhorse of the Chase ecosystem and the most common companion card for a Sapphire. It is the reference no-fee cash-back card for someone who wants a dependable earning floor now and an upgrade path into transferable points later, rather than a card organized around a single spending category. The terms are simple. There is no annual fee. New accounts get a 0% intro APR for 15 months on both purchases and balance transfers, after which a variable regular APR of 18.24% to 27.74% applies based on creditworthiness. Earning is tiered: 5% cash back on travel booked through Chase Travel, 3% on dining, 3% at drugstores, and 1.5% on everything else. The welcome bonus is $200 after $500 in spending within the first 3 months, a low threshold most applicants clear on normal spending; the earlier $250 elevated offer ended April 30, 2026. Approval generally expects good credit, roughly 670 or higher. On rewards value, the card earns cash back that stands on its own as ordinary cash back. The strategic angle is pairing: when you also hold a Sapphire card, the balance pools as Ultimate Rewards points, which is the upgrade path the card is really built around. It also carries purchase protection and extended warranty coverage. Now the honest flags. As a standalone card, the 1.5% base rate trails the 2% flat-rate leaders, so heavy general spenders leave money on the table unless the 3% dining and drugstore tiers cover a meaningful share of their budget. The 5% travel rate is locked to the Chase portal rather than open booking, so it only pays off if you are comfortable booking through Chase Travel. There is a 3% foreign transaction fee, which makes this a weak choice for international travel or anything billed in a foreign currency. And the 0% window is timed: it runs for 15 months, after which the variable 18.24% to 27.74% APR takes over, so any balance transfer or large purchase should be planned to clear before it closes. Carrying a balance past the intro period can erase the cash back several times over. The short version: a no-fee, low-friction cash-back card whose real value shows up inside the Chase system rather than on its own.

Pros and cons

Pros

  • 1.5% floor with 3% dining and drugstore kickers
  • Easy $200 bonus
  • Upgrade path to Sapphire pairing

Cons

  • 3% foreign transaction fee
  • 5% travel rate locked to the Chase portal

Key details

1.5% cash back on everything5% on Chase Travel3% on dining3% at drugstores0% intro APR for 15 months on purchases and balance transfersCash back pools as Ultimate Rewards points when paired with a Sapphire cardPurchase protection and extended warranty

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Chase Freedom Unlimited FAQ

Is Chase Freedom Unlimited worth it?

Yes if you want a $0 annual fee card with a 1.5% floor, 3% on dining and drugstores, and a path into Chase Ultimate Rewards. As of September 7, 2026 the welcome bonus is $200 after $500 in 3 months. Skip it as a standalone everyday card if you will not pair it with a Sapphire: Wells Fargo Active Cash pays a flat 2%.

Chase Freedom Unlimited vs Freedom Flex: which should I get?

As of September 7, 2026 both charge $0 and both pay $200 after $500 in 3 months. Unlimited is the 1.5% floor plus 3% dining and drugstores. Flex is 5% on rotating quarterly categories you must activate, then 1% elsewhere. Get Unlimited if you will not chase categories. Get Flex if you will.

What is the Chase Freedom Unlimited annual fee?

There is no annual fee, confirmed on Chase's Freedom Unlimited page September 7, 2026.

What is the Chase Freedom Unlimited welcome bonus?

$200 after you spend $500 on purchases in the first 3 months from account opening, as of September 7, 2026. You must not have this card now, and you must not have taken this card's new-cardmember bonus in the past 24 months.

What is the Chase Freedom Unlimited APR?

0% intro APR for 15 months on purchases and balance transfers, then a variable regular APR of 18.24% to 27.74%, as printed on Chase's page September 7, 2026. A balance transfer fee applies.

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