Chase Freedom Unlimited®: Flat Cash Back Powerhouse with $0 Annual Fee
Earn 5% on Chase Travel℠ bookings, 3% on dining and drugstores, and 1.5% everywhere else—no bonus tracking, no annual fee.
New cardmembers knock out the $200 bonus after $500 spend in three months and enjoy 0% intro APR for 15 months on purchases and balance transfers before the variable 19.24%–28.99% range applies (3% or $5 balance transfer fee).
Quick snapshot
- 5% back on travel through Chase Travel℠
- 3% back on dining (including delivery) and drugstores
- 1.5% back on every other purchase with no caps
- $200 bonus after $500 spend + 0% intro APR for 15 months
Everyday Rewards That Scale Automatically
Use Freedom Unlimited® as your all-purpose card: 1.5% applies to every swipe, while dining, drugstores, and Chase Travel℠ purchases unlock higher tiers without activation checklists.
Leverage the Intro APR for Planned Purchases
Spread out a big expense or consolidate high-interest balances over 15 months interest-free, then pay the balance before the variable APR resumes. Factor the 3% (or $5) balance transfer fee into your payoff math.
Redeem Cash Back or Supercharge Travel
Cash out any amount as statement credits, deposits, or gift cards. Pair with a Sapphire Preferred® or Reserve® to turn rewards into Ultimate Rewards points worth 1.25x–1.5x for travel or transferable to partners.
Who Should Carry This Card
Ideal for set-and-forget earners who still want elevated dining and travel returns, or anyone building a two-card Sapphire + Freedom combo. If you rarely dine out, compare a flat 2% card to ensure the math works.
Important Disclosure
Representative Example: Spending $1,000 monthly— $400 on dining/drugstores, $200 on Chase Travel℠, and $400 on other purchases—earns roughly $306 annually. Carrying a $5,000 balance at 23.99% after the intro period could cost about $1,200 in interest in a year if you pay only the minimum.
Risk Warning: Missing payments can trigger late fees and penalty APRs. Confirm current rates, categories, and bonus offers with Chase before applying.