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Chase Freedom Unlimited®

Chase Freedom Unlimited®
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
$200Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Reward Rates
5%Earn 5% on travel purchased through Chase.
3%Earn 3% on dining at restaurants and drugstores
1.5%Earn unlimited 1.5% cash back on all other purchases.
Balance Transfers Intro APR
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Regular APR
14.99 - 23.74% Variable
Annual Fee

Great for:

Earning rewards on every purchase, without having to pay an annual fee. Pro tip: if you also have a Chase Sapphire card, you can transfer your Freedom Unlimited points to your Sapphire account to boost their value even more.

The Chase Freedom Unlimited is one of our top picks for the best credit cards.


  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open


  • 0% Introductory APR
    0% Introductory APR
  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • EMV
  • Excellent Credit
    Excellent Credit
  • Extended Warranty Program
    Extended Warranty Program
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Purchase Protection
    Purchase Protection
  • Rewards
  • Travel Accident Insurance
    Travel Accident Insurance
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.5 out of 5

Our take: The Chase Freedom Unlimited card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.

Read full review

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Cardholder Reviews

Chase Freedom Unlimited®

Average Ratings: (collected by Chase)
4.8 out of 5 stars
Ratings and reviews provided by issuer as of 2021-01-29.

For customer reviews and the most recent star ratings please click here