Chase Freedom Unlimited
Editor reviewedNo-fee 1.5% floor with 3% dining and drugstores, plus a 15-month 0% window
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
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 July 23, 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
Is it worth it?
No annual fee, so rewards are pure upside
There is no annual fee to earn back, so every dollar of rewards is money ahead. Weigh the regular APR before carrying a balance, since interest quickly outweighs any rewards.
What is Chase Freedom Unlimited?
The everyday workhorse of the Chase ecosystem and the best companion card for a Sapphire. It suits anyone who wants a no-fee card with a solid floor and an upgrade path into transferable points later.
There is no annual fee, a 0% intro APR for 15 months on purchases and balance transfers, and a regular APR of 18.24% to 27.74% variable. Earning: 5% on Chase Travel, 3% on dining, 3% at drugstores, 1.5% on everything else. The welcome bonus is $200 after $500 in spending in 3 months; the $250 elevated offer ended April 30, 2026. Cash back pools as Ultimate Rewards points when paired with a Sapphire card, and the card carries purchase protection and extended warranty coverage.
The catch: a 3% foreign transaction fee, and the 5% travel rate is locked to the Chase portal. As a standalone card the 1.5% base trails the 2% flat-rate leaders, but the dining and drugstore kickers and the Sapphire pairing keep it relevant.
Pros & 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
What is the annual fee on the Chase Freedom Unlimited?
There is no annual fee.
What is the current welcome bonus?
$200 after spending $500 in the first 3 months. The $250 elevated offer ended April 30, 2026.
What credit score do you need?
Good credit, roughly 670 or higher.
Source: creditcards.chase.com