Ending Soon: Here's the Easiest Credit Card Bonus to Claim in January
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Want to earn maybe the easiest $300 you'll ever make? With the Chase Freedom Unlimited® (see rates and fees), you can -- but you'll have to act fast.
Right now with the Chase Freedom Unlimited®, you can earn $300 cash back by spending $500 in the first 3 months of card opening. If you're like most people, you can probably hit that in just a few weeks with everyday purchases like groceries and gas.
This limited-time offer is ending soon, though, so you'll have to hurry if you want to earn it. Here's what to know about the Chase Freedom Unlimited® before you hit apply.
Strong rewards on everyday purchases, plus 0% intro APR
Aside from the straightforward welcome bonus, the Chase Freedom Unlimited® also comes with some great ongoing earning rates.
2026 Award Winner
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= PoorEarn a $300 bonus after spending $500 in the first 3 months -- the richest bonus this card has ever had. Ends at 9 AM EST on 1/15/26.
Good/Excellent (670-850)
Intro APR 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
18.49% - 27.99% Variable
Rewards 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 Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $300 cash back
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The Chase Freedom Unlimited® delivers strong upfront value and everyday rewards. Earn a $300 bonus after spending $500 in the first 3 months -- the richest bonus this card has offered, and it’s only available through 9 AM EST on 1/15/26. You’ll also earn 3% on dining and drugstores, 5% on Chase Travel, and 1.5% back on everything else. With a 0% intro APR for 15 months, it’s an easy pick for a one-card wallet.
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- 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
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- Limited Time Offer: Earn a $300 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 18.49% - 27.99%.
- 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
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
There's no annual fee to worry about with this card, either -- just simple cash back on everything you buy.
Looking to pay off high-interest debt? The Chase Freedom Unlimited® is a great choice for that, too. It comes with 0% introductory APR for 15 months on both purchases and balance transfers. (A regular ongoing 18.49% - 27.99% Variable APR applies after.)
There's a balance transfer fee to consider: 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.
Get approved today to start earning an easy $300
When you're in need of a simple, flexible cash back card with a great bonus to boot, Chase Freedom Unlimited® is a fantastic choice. I have this card myself, and especially love earning 3% cash back every time I eat out (which is a lot).
Add in its great welcome bonus, 0% intro APR offer, and $0 annual fee, and it's definitely a card I can recommend to anyone and everyone. Just consider yourself the latest person.
Ready to get started? Check out our full review of the Chase Freedom Unlimited® to apply now.
Our Research Expert
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.