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Chase Visa

Chase Freedom Unlimited

The Freedom Unlimited is a no-annual-fee workhorse that earns 1.5% on everything, with elevated rates on dining, drugstores, and Chase Travel. Held on its own, it is a competent cash-back catch-all, and the 15-month intro APR runway makes it a sensible first card or a place to park a balance transfer. Pair it with a Sapphire card, though, and it slots into the Chase trifecta, where its points convert to transferable Ultimate Rewards.

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Chase Freedom Unlimited card art
  • Annual fee
    Free
  • Welcome offer
    $200
    after $500 in 3 months
  • Recommended credit
    700-780
    Median 720. See why →

Earning rates

on Chase Ultimate Rewards
  • 5x
    Chase Travel
    via portal
  • 3x
    Dining
  • 3x
    Drugstores
  • 2x
    Lyft
    Through 9/30/2027
  • 1.5x
    Everything else

Benefits and credits

Travel credits and perks

  • Roadside Assistance
  • Travel and Emergency Assistance

Lifestyle credits

  • DashPass + DoorDash Quarterly Credit
    $10
    Through 12/31/2027
  • Lyft Partnership

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection
    Up to $500 · 120d

Travel and purchase coverage

  • Rental car collision damage waiver
    $60,000
    Secondary coverage
  • Trip cancellation and interruption
    $1,500
    Per trip $6,000

Pricing and fees

Full Pricing and Terms
Purchase APR
18.24% to 27.74%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
18.24% to 27.74%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports adult AU activity to all three bureaus; does not report minors (under 18).
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

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    $95 annual fee
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  • Wells Fargo Autograph Card card art
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  • Hilton Honors American Express Card card art
    Hilton Honors American Express Card
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    Hilton Honors is the no-annual-fee entry to the Hilton trio.

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Sources

Data current as of May 13, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.