Chase Freedom Unlimited - Find Me a Card

Chase Freedom Unlimited

An excellent all-around (general spending) cash back card for most people, due to its 1.5% cash back rate, $200 signup bonus, and no annual fee.

Your total savings: $2,221 over the next 5 years

View reward details
Credit Score Required:
Average (670-739)
Issuer:
Chase
Network:
Visa

Rewards & Perks

Reward Highlights

  • $200 cash bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Through March 2022: 5% cash back on Lyft rides.
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1.5% cash back on all other purchases.
  • For the first year: Earn an extra 1.5% cash back on all categories of spending (for up to $20,000 spent). (In other words: 6.5% instead of 5% cash back on travel purchased through Chase, 4.5% instead of 3% cash back on restaurants and drugstores, and 3% instead of 1.5% cash back on all other purchases.)

Other Rewards & Perks

  • 3 free months of DashPass: Get a complimentary 3 months of DashPass, DoorDash's subscription service that provides unlimited deliveries for a $0 delivery fee on DoorDash orders over $12 (other fees may apply). After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.
  • Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, etc.
  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Travel and emergency assistance services: Lets you get help coordinating medical, legal, and travel services when you are traveling. The cost of any goods or services is your responsibility.
  • Extended warranty for warranties of 3 years or less: Extends the time period of the U.S. manufacturer's warranty (by an additional 1+ years) for eligible items that would otherwise have warranties of 3 years or less. (Refer to the offer details on the credit card issuer's website for details about dollar limits and exclusions.)
  • Purchase protection (120 days): Coverage for eligible items you buy with your card if they are lost or stolen within 120 days of your purchase.
  • Free online access to your credit score (via Chase Credit Journey): You can opt-in to access your credit score (updated monthly) for free, within Chase's mobile app or website.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)

Special Signup (Promo) Rewards & Perks

  • $200 cash bonus after you spend $500 on purchases in your first 3 months from account opening.
  • For the first year: Earn an extra 1.5% cash back on all categories of spending (for up to $20,000 spent). (In other words: 6.5% instead of 5% cash back on travel purchased through Chase, 4.5% instead of 3% cash back on restaurants and drugstores, and 3% instead of 1.5% cash back on all other purchases.)
  • Through March 2022: 5% cash back on Lyft rides.
  • 3 free months of DashPass: Get a complimentary 3 months of DashPass, DoorDash's subscription service that provides unlimited deliveries for a $0 delivery fee on DoorDash orders over $12 (other fees may apply). After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-23.74% (0% for the first 15 months).
  • APR on balance transfers: 14.99-23.74%.
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 14.99-23.74% (0% for the first 15 months)

BT Fee: 5% of BT

BT APR: 14.99-23.74%

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

Foreign Transaction Fee: 3%

User Ratings & Reviews

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Most Helpful 1-3 Star Review

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Other Info

Other Offer Variations

  • When you apply for the card, Chase may approve you for either the Visa Signature version of the card or the Visa Platinum version of the card. These two versions are almost the exact same thing, but the Visa Signature version has slightly better travel-related perks.

Date Introduced: 2016-04-07

Date Last Updated: 2022-01-12


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