Limited-Time Offer: Chase Freedom Unlimited Is Currently Offering an Easy $300 Bonus
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Chase just rolled out a rare new bonus on the Chase Freedom Unlimited® (see rates and fees), and honestly, it's one of those "don't wait around" moments.
Here's the deal: Earn $300 cash back after you spend $500 on purchases in your first 3 months from account opening. It doesn't get more effortless than that.
This is the biggest bonus Chase has ever released on this card -- and the clock is already ticking.
Why this offer stands out right now
The timing of this offer couldn't be better. The Chase Freedom Unlimited® was just crowned Best Cash Back Credit Card in the 2026 Motley Fool Money Awards.
It's a crowd favorite, and I've personally held the card for more than a decade. So seeing Chase attach a simple $300 bonus to it is the cherry on top of an already great cake.
A $300 bonus for only $500 in spend (within the first 3 months) is almost unheard of at this level. Most cards offering welcome bonuses ask you to shell out multiple thousands to unlock anything meaningful. This one is a super low lift and an easy win.
2026 Award Winner
= Best
= Excellent
= Good
= Fair
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= Best
= Excellent
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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.
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
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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
Rewards on everything you buy
What I've always loved about the Chase Freedom Unlimited® is how naturally the rewards fit into most people's everyday life.
Here are the reward rates and categories:
- 5% cash back on travel purchased through Chase Travel
- 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
- 1.5% cash back on all other purchases
That 1.5% is more than the typical 1% many reward cards offer for general spending. And it's perfect for people who don't want to think about rotating categories or optimizing every purchase.
And since there's no annual fee, it suits both heavy and light spenders alike. All the rewards earned are pure upside.
A helpful 0% intro APR window
Along with the bonus and rewards, you also get a 0% intro APR for 15 months on purchases and balance transfers. (A 18.49% - 27.99% Variable APR applies at the end of the intro period.)
It's not the longest 0% intro APR offer available, but it's long enough to smooth out a bigger purchase or free up room in your monthly budget -- especially heading into a new year.
What to know before you apply
The Chase Freedom Unlimited® is about as close as it gets to a perfect daily driver, but there are a couple things to keep in mind.
Firstly, the most qualified applicants will have good to excellent credit. So if you're already in that range, you're in great shape to snag this limited-time offer.
The only real drawback is the foreign transaction fee in the amount of 3% of each transaction in U.S. dollars, so pairing it with a great travel rewards card is a better move for international trips.
Don't miss this bonus -- get it before it's gone
This limited-time offer turns an already great no-annual-fee card into an easy win.
If your current credit card isn't giving you solid rewards or is hitting you with a pointless annual fee, this is a simple, well-timed upgrade.
Check out our full Chase Freedom Unlimited® review and apply while the offer is still live.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.