Act Now: Snag an Easy $200 Bonus With This No-Annual-Fee Chase Card

Published on Sept. 30, 2025

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

Looking for a valuable cash back card with one of the easiest-to-earn welcome bonuses around? You've just found it in the Chase Freedom Unlimited® (see rates and fees).

Right now with the Chase Freedom Unlimited®, you can earn $200 in bonus cash just by spending $500 in the first 3 months after opening the card. Most people can easily hit that with everyday purchases like groceries and gas. Just spend $500, and your bonus automatically shows up in your account.

I have the Chase Freedom Unlimited® myself -- and I love it. Here are a few other reasons I'm always recommending it to friends and family.

Strong everyday rewards

Aside from the straightforward welcome bonus, the Chase Freedom Unlimited® also has solid ongoing earning rates. You'll get:

  • 5% cash back on travel purchased through Chase Travel
  • 3% cash back at drugstores, restaurants, takeout, and eligible food delivery
  • 1.5% cash back on all other purchases

No annual fee to worry about, either -- just simple cash back on everything you buy.

I especially love using my Chase Freedom Unlimited® every time I dine out or order DoorDash. Getting 1.5% cash back on all other purchases isn't too shabby, either.

Want to join me? Read our full review of the Chase Freedom Unlimited® to apply and start earning the $200 welcome bonus today.

Award Icon 2025 Award Winner

Chase Freedom Unlimited®

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Freedom Unlimited®
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

18.74% - 28.24% Variable

Rewards Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Earn $200 cash back

  • The Chase Freedom Unlimited® is the ideal all-in-one card, offering both big upfront value and long-term rewards. New cardholders can earn a $200 bonus after spending $500 in the first 3 months. Plus, enjoy unlimited 3% back on dining and drugstores, 5% on travel booked through Chase Travel, and 1.5% on all other purchases. With the added benefit of 0% intro APR for 15 months, this card is perfect for a one-card wallet.

    Read Full Review
    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC

Boost your rewards with another Chase card

Here's what really takes the Chase Freedom Unlimited® to the next level: If you also have a Chase card like the Chase Sapphire Preferred® Card (see rates and fees), you can transfer your points to maximize value.

Just use your Chase Freedom Unlimited® as you normally would, then pool all your rewards and redeem through Chase Travel for more value.

This strategy can help you get much more out of the same purchases, especially when booking flights or hotels. It's a great way to maximize your rewards if you're a frequent traveler.

Offer Our Rating Welcome Offer Rewards Program APR Our Rating
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for travel and points transfers
 75,000 bonus points Circle with letter I in it. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 5x on Chase Travel℠, 3x on dining, 2x on all other travel Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: 19.74% - 27.99% Variable

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for travel and points transfers

Get 0% intro APR for 15 months

Looking to pay off high-interest debt? The Chase Freedom Unlimited® also comes with 0% introductory APR for 15 months on purchases and 15 months on balance transfers. An ongoing 18.74% - 28.24% Variable APR will apply after.

I never had a reason to use this feature myself, but it can be a great way to pay off larger expenses over time without piling up interest.

Just note that there's a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Apply today and land an easy $200

If you want a simple, flexible cash back card with serious upside, Chase Freedom Unlimited® is a great option.

I earned the $200 sign-up bonus in just a few weeks of everyday spending. And with its strong rewards rates, additional perks, and $0 annual fee, I'll definitely be holding onto it for a long, long time.

Ready to get started? Check out our full review of the Chase Freedom Unlimited® to apply now.

Our Research Expert

Ryan Wilcox
Ryan Wilcox icon-button-linkedin-2x

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.