Chase Freedom Unlimited®
Ditch the wallet full of plastic and unlock effortless rewards with the Chase Freedom Unlimited® card (see rates and fees). Our experts have reviewed hundreds of credit cards and have declared this a top pick for a one card wallet.
Here's why:
- Effortless Cash Back: Earn unlimited 1.5% cash back on everything you buy. Treat yourself to 3% back on dining and drugstores, and 5% back on travel booked through Chase.
- $200 Welcome Bonus: New cardholders can earn a $200 bonus after spending just $500 in the first 3 months. That’s an easy 50% back on your spend — one of the most generous welcome offers available!
- No Annual Fee: Unlike many premium cards, you get all these benefits without a yearly charge.
- Breathe Easy with 0% APR: Enjoy 0% interest on both purchases and balance transfers for 15 months, which is one of the longest 0% interest periods for no-annual-fee cash back cards. After, 18.24% - 27.74% Variable APR applies.
- Click APPLY NOW to apply today
So what can all of this lead to? In your first year alone, you could earn a whopping $1,000 or more in cash back with this card! See how to do that below.
Heads up
This bonus offer is available through Motley Fool Money for a limited time 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.
Cash Back Rewards
Chase Freedom Unlimited®
Great for: Massive cash back rewards
4.80 out of 5
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 = Poor4.80 out of 5
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 = 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
18.24% - 27.74% 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 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Earn $200 cash back
- 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 18.24% - 27.74%.
- 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
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.
Why we rate this as a top cash back card
0% intro APR for 15 months for purchases -- On top of the high cash back rate, this card also features a very competitive 0% intro APR offer. This can be a smart way to finance large purchases, or simply if you find yourself in a temporary bind and want to avoid interest into 2026.
0% intro APR for balance transfers -- The same length 0% intro APR for 15 months applies for balance transfers. If you have credit card debt, you can transfer it to this card to avoid interest charges for well over a year on that transferred balance.
Unlimited 1.5% to 5% cash back -- At a minimum, you’ll earn unlimited 1.5% cash back on purchases. Earn unlimited 3% on dining (including takeout and eligible delivery services) & drugstores, and unlimited 5% on travel purchased through Chase Travel.
Bonus cash back -- Our favorite perk of the card and only available for a limited time! New cardholders can earn a $200 bonus after spending $500 in the first 3 months. That's a 50% return on your spend!
$0 annual fee -- Credit cards packed with valuable features tend to charge a high annual fee, but not this card.
How to earn $1,177 with this card
You’ll be hard-pressed to find a no-annual-fee cash-back card that offers as much first-year value as this one. That’s because of the combination of the card's lucrative cash-back rates, welcome bonus, and a range of additional perks—all without the annual fee. Here’s an example of how the value adds up based on the average American budget*:
- Earning 3% cash back on dining (including takeout & delivery) and drugstores results in $299.52 in cash back.
- Earning 1.5% cash back on all other purchases results in $628.40.
- Earning $250 cash back (when you spend $500) results in $250.
These two categories plus the welcome bonus would total $1,177.92 in cash back in the first-year. This doesn’t include the unlimited 5% on travel booked through Chase Travel, so this value could be even higher for some cardholders.
Transferring Points
Although this no-annual-fee cash back card offer is special on its own, you can maximize your points earned if you pair it with the Chase Sapphire Preferred® Card (rates and fees) or Chase Sapphire Reserve® (rates and fees). You can transfer your points among Chase Ultimate Rewards® accounts, which gives you the chance to increase the worth of each point.
Even if you made your purchases with Chase Freedom Unlimited®, if you transfer them and redeem them for travel booked through Chase Ultimate Rewards, the points are worth more with the Chase Sapphire Preferred® Card and even more with Chase Sapphire Reserve®.
Final Take
It’s easy to see why our experts rate this card so highly, 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.
Suggested credit score
The Chase Freedom Unlimited® is designed for people with good credit and better, with a FICO® Score of at least 670. The card will be hard to get with a much lower credit score.
Our Credit Cards Experts
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