ccdeck
Chase Visa

Chase Freedom Unlimited

The Freedom Unlimited is the workhorse no-annual-fee card that quietly earns 1.5% on everything plus elevated rates on dining, drugstores, and Chase Travel. Paired with a Sapphire card, it slots into the Chase trifecta where its points convert to transferable Ultimate Rewards. On its own it's a competent cash-back catch-all with a 15-month intro APR runway that makes it useful as a first card or balance-transfer parking spot.

See current offer Issuer terms
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
    Not disclosed

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.

  • Chase Sapphire Preferred card art
    Chase Sapphire Preferred
    Chase · Visa

    The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years.

    $95 annual fee
    View card Compare
  • Hilton Honors American Express Card card art
    Hilton Honors American Express Card
    Amex

    Hilton Honors is the no-annual-fee entry to the Hilton trio.

    $0 annual fee
    View card Compare
  • Chase Freedom Flex card art
    Chase Freedom Flex
    Chase · Mastercard

    The Freedom Flex is Chase's rotating-category cash-back card, no annual fee, with 5% on a quarterly category that changes through the year.

    $0 annual fee
    View card Compare

Sources

Data current as of May 13, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

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