- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
03/17/2026: New welcome offer is $250, which is a $50 increase from the standard offer.
- Sign-Up Bonus
- 5
- Spending Multipliers
- 4.5
- Credits & Features
- 1.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Chase Freedom Unlimited Credit Card is a no-annual-fee cash back card designed for everyday spenders who want simple, flat-rate rewards with valuable purchase protections and travel perks. Cardholders earn 1.5% cash back on all purchases, making it ideal for those who prefer straightforward rewards without tracking bonus categories. The card offers purchase protection up to $500 per claim, extended warranty coverage, and travel benefits such as auto rental collision damage waiver and trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip. Additionally, cardholders receive 6 months of DashPass through December 31, 2027, adding convenience for food delivery. While it carries a 3% foreign transaction fee, the Chase Freedom Unlimited is best suited for domestic shoppers who want a low-maintenance rewards card with strong protection features and supplemental travel benefits.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
- Consider having at least a credit history for 9 months and avoid applying for more than 2 Chase cards in 30 days
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 18.24% - 27.74% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 18.24% - 27.74% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)