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The Chase Freedom Unlimited® (rates and fees) is a long-time Motley Fool Money favorite — and for good reason. In fact, it earned our 2026 award for Best Cash Back Card, thanks to its rare combo of simple rewards, strong first-year value, and long-term perks you can actually use.
Here's why it stands out:
2026 Award Winner
Great for: Massive cash back rewards
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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
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.
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.
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% 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.
$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.
Our Credit Cards Experts
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JPMorgan Chase is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, and Target. The Motley Fool has a disclosure policy.
