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Last Updated: Oct. 7, 2026
The Chase Freedom Unlimited® (rates and fees) card keeps earning its spot as a Motley Fool Money favorite – for good reason.
Our experts love this card so much that it won two of our Best Credit Card Awards in 2026, including Best No Annual Fee Card.
Between its long 0% intro APR window, simple everyday rewards, and easy-to-earn welcome bonus, this card will quickly become your next go-to favorite.
Here's what our experts like:
2026 Award Winner
Great for: Long 0% Intro APR + Easy Bonus
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= Fair = PoorIntro 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
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
Annual Fee
Welcome Offer Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
This bonus offer is available through Motley Fool Money and may not be guaranteed if you apply elsewhere. If this card interests you, be sure to use this link to apply today and take advantage of the offer.
0% intro APR for 15 months on purchases and balance transfers — Want to avoid costly interest charges for well over a year? This card features a lengthy 0% intro APR period of 15 months for purchases and balance transfers. So whether you're paying off a big purchase, or want to transfer a balance, consider this card. You can earn unlimited cash back, score an easy $200 bonus, AND save money on interest. 18.24% - 27.74% Variable applies after the intro period.
Easy welcome bonus — Our favorite perk of this card! New cardholders can earn a $200 bonus after spending $500 in the first 3 months.
Unlimited 1.5% cash back — You'll be earning one of the highest cash back rates available, on everything you're already spending money on. That, plus an unlimited 3% on dining (including takeout and eligible delivery services) & drugstores, and unlimited 5% on travel purchased through Chase Travel, makes this one of the best cash back cards we've ever seen.
$0 annual fee — Other credit cards packed with these kinds of perks tend to charge a high annual fee, but not this card.
This is one of the most popular credit cards in America for a reason — with its lucrative cash back, lengthy 0% intro APR period, and generous sign-up bonus. Add in the fact that you can get this all for no annual fee, and it becomes a no-brainer for many consumers.
Final note: credit card offers like this can change — and once they do, they’re often gone for good. If this card sounds like a fit, we recommend applying today while this offer is still available.
Great for: High Cash Back + 0% Intro APR
On Bank of America's Secure Website.
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Bonus Offer
Earn 6% cash back in the category of your choice -- like dining, travel, or online shopping -- for the first year. Plus, score a $200 cash rewards bonus after qualifying purchases.
Intro APR 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
Rewards Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Annual Fee
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Great for: Balance Transfers
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Purchases: 0% intro APR for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
Rewards
Annual Fee
Welcome Offer
Great for: Unlimited 2% Cash back
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Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
Rewards Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Annual Fee
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Our Credit Cards Experts
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