The Chase Freedom Unlimited® Card

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Learn here how to apply for the Chase Freedom Unlimited®

 

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Current Welcome Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back. (Learn here how to apply for this promotion.)

What Kind of Points/Miles the Card Earns: The Chase Freedom Unlimited® is advertised as a cashback card. What it earns, however, are Chase Ultimate Rewards® points that can be converted to cashback (statement credit, direct deposit, mailed check) or used toward travel, gift card redemptions, donations, or other rewards. Unlike some other cash back cards, there’s no minimum required to redeem your points toward cash back.

Annual Fee: $0

Foreign Transaction Fees: 3% of each transaction in U.S. dollars

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Points Earnings (after the welcome offer is exhausted):

  • 5% (5X) for each eligible dollar spent on Chase travel purchases through Ultimate Rewards
  • 5% on Lyft rides through March 2025
  • 3% on dining at restaurants (including takeout and eligible delivery services)
  • 3% at drugstores
  • 1.5% on all other eligible purchases

Where Can You Apply?: Here is an affiliate link (thank you!). We don’t see any information (name, address, SSN, income, favorite child, your mother’s real maiden name, etc.) you submit

Happy senior woman buying prescription medicine in a pharmacy.
The Chase Freedom Unlimited®® offers 3% back on purchases made at drugstores. (©iStock.com/Drazen Zigic)

What We Like About This Card

The $0 annual fee, combined with the 5X and 3X bonus categories are fantastic. Earning 3% back on dining — especially from a no-annual-fee card is pretty great.

As longtime Delta Air Lines and American Express® Membership Rewards® fans, it was a bit jarring to jump on board the Chase wagon.

But, man, we are glad we did.

First of all, you can purchase all sorts of travel — including Delta flights — through Chase’s Ultimate Rewards Travel service. Chase also has a ton of transfer airline and hotel loyalty program transfer partners. (They practically have a stranglehold on hotels: IHG, Marriott, and Hyatt.)

Three Chase Ultimate Rewards® cards allow card members to apply points at higher redemption rates when buying travel through Chase:

You can transfer the points you earn on your Chase Freedom Unlimited® to one of those cards — and make them even more valuable. That’s why the current welcome offer is especially attractive.

What We Don’t Like About This Card

The 3% foreign transaction fee is pretty lame. Make sure to use your card only in the United States — and that goes for websites, too. You’ll get dinged the 3% if you buy something from a website based outside the U.S.

Learn here how to apply for the Chase Freedom Unlimited®

Advertiser Disclosure: Eye of the Flyer, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Eye of the Flyer and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of the links on this page are affiliate or referral links. We may receive a commission or referral bonus for purchases made during shopping sessions or signups initiated from clicking those links.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.