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Read moreChase Freedom Unlimited® review
A no-annual-fee cash back card that pays extra on dining, drugstores and Chase Travel, with a $200 welcome bonus. Here is how it compares.
Money Mindly is independent. We may earn a commission when you apply through our links, but that doesn't affect our analysis. Rates and terms come from the issuer's site and can change.
The bottom line
Rates and fees
- Regular APR: 18.24% to 27.74% variable, based on your credit
- Intro APR: 0% for 15 months on purchases and balance transfers
- Balance transfer fee applies; see Chase pricing and terms
- Annual fee: $0
- See the official terms from Chase
More details
- Purchase protection for 120 days, up to $500 per item
- Extended warranty: one extra year on eligible warranties
- Trip cancellation and interruption insurance
- 6 months of complimentary DashPass when activated by Dec 31, 2027
Pros and cons
Pros
3% on dining and drugstores, 5% on Chase Travel
$200 bonus after $500 in 3 months
0% intro APR for 15 months
Rewards don't expire while the account is open
Cons
1.5% base rate is lower than 2% flat cards
Travel bonus only applies through Chase Travel
Balance transfer fee applies
Detailed review
Freedom Unlimited earns 1.5% on every purchase, 3% on dining (including takeout and eligible delivery) and drugstores, and 5% on travel booked through Chase Travel. There is no minimum to redeem for cash back.
New cardmembers earn a $200 bonus after spending $500 in the first 3 months, as long as they haven't received this card's bonus in the past 24 months. The 0% intro APR lasts 15 months on purchases and balance transfers.
» MORE: Apply on the official Chase site
The basics
Card network: Visa
Rewards: 1.5% to 5% cash back
Welcome bonus: $200 after $500 in 3 months
Intro APR: 0% for 15 months
Annual fee: $0
How it compares
Chase Freedom Unlimited®
Wells Fargo Active Cash® Card
Discover it® Cash BackRates and terms from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is this card right for you?
Choose Freedom Unlimited if dining and drugstores are a big part of your budget, or if you want the largest welcome bonus here.
If most of your spending is elsewhere, a 2% flat card will usually earn more.
Spend mostly outside restaurants and drugstores? Wells Fargo Active Cash pays a flat 2% on every purchase.
How to apply