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Updated 2026-02-10
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ChaseEditor's PickLast verified: February 2026
Chase Freedom Unlimited®
Straightforward unlimited cash back on every purchase with no rotating categories to track.
on Chase's secure site
Welcome Bonus
200 cash
Annual Fee
$0
Base Rewards
1.5x
APR
20.49% - 29.24%
Card Details at a Glance
Last verified: February 2026IssuerChase
Card CategoryCashback
Annual Fee$0 (No Annual Fee)
Regular APR20.49% - 29.24% (Variable)
Intro APR0% for 15 months
Foreign Transaction Fee3%
Balance Transfer Fee5% (or $5 min)
Base Rewards Rate1.5x on all purchases
Credit Score NeededGood (700+)
Welcome Bonus200 cash (spend $500 in 3 months)
Pros & Cons
Pros
- Generous 200 cash welcome bonus (worth ~$200)
- No annual fee
- 0% intro APR for 15 months
- Strong 1.5x base rewards on all purchases
- Earn 1.5% cash back on every purchase
Cons
- 3% foreign transaction fee
- High ongoing APR range (up to 29.24%)
- Requires good credit (700+) for best approval odds
- 5% balance transfer fee
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
People who prefer simple cash back over points systems
Foodies who spend significantly on dining and restaurants
Those who want strong rewards without paying an annual fee
Anyone needing 15 months of 0% interest on purchases
Card Overview
Straightforward unlimited cash back on every purchase with no rotating categories to track.
Rewards at a Glance
dining3x
drugstore3x
Everything else1.5x
Key Highlights
- Earn 1.5% cash back on every purchase
- 3% on dining and drugstore purchases
- 0% intro APR for 15 months on purchases
- No annual fee
- Redeem cash back for any amount
Like what you see?
Apply for the Chase Freedom Unlimited® directly on Chase's secure website.
Secure5-minute applicationInstant decision
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Ready to Apply?
Welcome Bonus
200 cash
Spend $500 in 3 months
Estimated value: ~$200
Secure application on Chase's site
517 people applied this week
Key Benefits
- Earn 1.5% cash back on every purchase
- 3% on dining and drugstore purchases
- 0% intro APR for 15 months on purchases
- No annual fee
- Redeem cash back for any amount
Why Trust Our Review?
Independent analysis of 200+ cards
Data verified against issuer websites
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.