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Chase · Credit cards

Chase Freedom Unlimited

Versatile cash back credit card offering 1.5% base cash back, 3% on dining and drugstores, and 0% intro APR.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0 (No annual fee)

Rewards rate

5% travel via Chase, 3% dining & drugstores, 1.5% unlimited on all other purchases

What it does well

  • No annual fee with 3% cash back on dining and drugstores
  • 15 months 0% intro APR on purchases and balance transfers
  • Pairs seamlessly with Sapphire cards to pool Ultimate Rewards points

Where it gives ground

  • 3% foreign transaction fee on foreign purchases
  • Requires Sapphire card to transfer points to airline partners

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

American Express Gold Card

$325/yr

Chase Freedom Unlimited

$0/yr

Chase leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards9 differing specs

The Platinum Card from American Express

$695/yr

Chase Freedom Unlimited

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards9 differing specs

Capital One Venture X Rewards

$395/yr

Chase Freedom Unlimited

$0/yr

Capital One leads on 3 of 4 rankable specs, but Chase saves $395 a year.

See the breakdown
Credit cards7 differing specs

Chase Freedom Unlimited

$0/yr

Blue Cash Everyday Card from American Express

$0/yr

American Express leads on 2 of 3 rankable specs.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0 (No annual fee)
Regular APR
20.49% – 29.24% Variable APR
Foreign transaction fee
3% of each transaction in U.S. dollars
Late fee
Up to $40

Rewards & Perks

Rewards rate
5% travel via Chase, 3% dining & drugstores, 1.5% unlimited on all other purchases
Sign-up bonus
$150 bonus (or extra 1.5% on all spend up to $20k in first year) after $500 spend
Intro APR offer
0% Intro APR for 15 months from account opening on purchases and balance transfers
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Visa Signature
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Chase Freedom Unlimited terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Discover

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Frequently asked

How much does Chase Freedom Unlimited cost?

Chase Freedom Unlimited has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Chase Freedom Unlimited’s key specs?

Key specifications for Chase Freedom Unlimited include annual fee ($0 (No annual fee)) and rewards rate (5% travel via Chase, 3% dining & drugstores, 1.5% unlimited on all other purchases).

What does Chase Freedom Unlimited compare against?

Chase Freedom Unlimited is compared head to head against American Express Gold Card vs Chase Freedom Unlimited, The Platinum Card from American Express vs Chase Freedom Unlimited, Capital One Venture X Rewards vs Chase Freedom Unlimited, Chase Freedom Unlimited vs Blue Cash Everyday Card from American Express, Chase Freedom Unlimited vs Blue Cash Preferred Card from American Express, and Chase Freedom Unlimited vs Bilt World Elite Mastercard.