The Chase Freedom Unlimited® Credit Card is more than just a tool for earning cash back—it’s a card that turns daily spending into long-term financial advantage. With a combination of flexibility, strong earning potential, and no annual fee, this card fits naturally into the lives of consumers who want value without complication. Whether you’re buying groceries, booking travel, or dining out, every purchase contributes to a steady stream of rewards.
This card also gives you access to the Chase Ultimate Rewards® platform, one of the most robust and versatile rewards systems in the credit card market. That means your earnings can stretch further when redeemed for travel, gift cards, or even cash. With extra protections and a valuable introductory APR offer, it’s designed to be a reliable companion for both everyday use and bigger financial goals.
Chase Freedom Unlimited®
Earn a $200 bonus $0 annual feeKey Benefits of the Chase Freedom Unlimited® Credit Card
- 1.5% Unlimited Cash Back
Earn a flat 1.5% cash back on all your purchases—no rotating categories or caps. Every swipe earns rewards, whether it’s for coffee, groceries, or bills. - 5% Back on Chase Travel℠
Book through Chase Travel and get 5% back on flights, hotels, car rentals, and vacation packages—perfect for turning trips into rewards. - 3% on Dining and Drugstores
Enjoy 3% cash back when you dine out, order takeout, or shop at drugstores. These everyday expenses earn more with every purchase. - $200 Sign-Up Bonus
Spend just $500 in the first 3 months and earn a $200 bonus. It’s an easy way to kickstart your rewards journey. - 0% Intro APR for 15 Months
Pay no interest on purchases or balance transfers for 15 months—a smart option for big buys or consolidating debt. - No Annual Fee
Keep all your rewards with no yearly cost. It’s value and simplicity in one card. - Flexible Redemption Options
Use Chase Ultimate Rewards® to redeem for cash, travel, gift cards, or statement credits. Pair with other Chase cards for even better value. - Travel and Purchase Protections
Get peace of mind with purchase protection, extended warranties, and travel coverage like trip cancellation insurance.
Fees and Rates Summary
| Fee | Amount |
|---|---|
| Annual Fee | $0 |
| Intro APR | 0% for 15 months (purchases & transfers) |
| Regular APR | 18.99%–28.49% variable |
| Balance Transfer Fee | 3% (min. $5) during intro; 5% after |
| Foreign Transaction | 3% of each transaction in USD |
| Cash Advance Fee | $10 or 5%, whichever is greater |
| Late Payment Fee | Up to $40 |
Who Should Consider This Card?
The Chase Freedom Unlimited® is designed for individuals who want dependable rewards without the need to constantly manage rotating bonus categories. If your goal is to earn cash back across all purchases—with boosted rewards on dining, travel, and drugstore spending—this card delivers consistent value.
It’s also ideal for people planning large purchases or looking to consolidate credit card debt, thanks to its 0% intro APR period. And for those already in the Chase ecosystem, this card becomes even more powerful when combined with premium Chase cards that allow point transfers and upgraded redemption rates.
Whether you’re just beginning your credit journey or looking to simplify your wallet with a versatile cash back card, the Chase Freedom Unlimited® offers an excellent mix of rewards, flexibility, and long-term value.
How to Apply for the Chase Freedom Unlimited®
Applying for this card is fast and straightforward. Here’s what to do:
- Check your credit score – A good to excellent score (690+) is typically required.
- Visit the official Chase website – Navigate to the Chase Freedom Unlimited® page.
- Complete the application – Enter your personal, financial, and employment information.
- Submit your request – Most applicants receive a decision within minutes.
- Activate and use your card – Once approved, start earning cash back right away.
Final Thoughts
The Chase Freedom Unlimited® Credit Card stands out for its straightforward rewards program, meaningful bonus categories, and built-in security features. With no annual fee and easy-to-redeem cash back, it strikes a perfect balance between value and convenience.
Whether you’re a frequent traveler, a casual spender, or someone focused on getting more from everyday purchases, this card adapts to your needs—offering both immediate benefits and long-term potential.
Apply today and enjoy unlimited rewards on every swipe, every day.
Chase Freedom Unlimited®
Earn a $200 bonus $0 annual feeFrequently Asked Questions (FAQs)
1. Does the Chase Freedom Unlimited® offer real cash back or points?
The card earns cash back in the form of points through Chase Ultimate Rewards®. You can redeem them as statement credits, direct deposit, gift cards, or travel, making it feel like true cash back.
2. Can I use the Chase Freedom Unlimited® internationally?
Yes, you can use the card abroad—but be aware it charges a 3% foreign transaction fee on purchases made outside the U.S.
3. Is there a minimum credit score required to apply?
Chase generally requires a good to excellent credit score (typically 670 or higher), though approval also depends on income and credit history.
4. How does this card compare to rotating category cards?
Unlike rotating category cards, the Freedom Unlimited® offers consistent rewards with no activation required—perfect for people who want simplicity.
5. Can I transfer points to travel partners?
Not directly. But if you also hold a premium Chase card (like the Sapphire Preferred®), you can combine points and transfer them to travel partners at a 1:1 rate.
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