Chase Freedom Unlimited Card
The Chase Freedom Unlimited® Card offers 1.5% cashback on most purchases.
- By: Net Dinheiro
Unlimited 1.5% Cashback on Purchases
Earn 1.5% cashback on all purchases—no caps or categories.
Bonus Cashback on Key Spending Areas
Earn 3% cashback on dining and drugstores, plus 5% on travel booked via Chase Ultimate Rewards.
0% Intro APR for 15 Months
Enjoy 0% intro APR for 15 months on purchases and balance transfers; then variable rate applies.
No Annual Fee
Earn great cashback with no annual fee—an affordable card for your daily spending.
Chase Freedom Unlimited
The Chase Freedom Unlimited® Card is a powerhouse in the cashback credit card space, offering a unique blend of a strong flat-rate earning structure and generous bonus categories. While many cards limit rewards to specific categories, the Freedom Unlimited provides a consistent base reward: an excellent 1.5% cashback on all non-category purchases. This means every swipe, everywhere, contributes significantly to your rewards balance. What truly elevates this card is the addition of several high-value bonus tiers, designed to reward everyday spending. These elevated rates cover common consumer expenses like dining out and pharmacy purchases, along with a top-tier rate for travel booked through Chase’s platform. Its straightforward rewards structure, coupled with no annual fee, makes it a highly attractive option for individuals looking to maximize their return on spending without tracking complex rules or incurring extra costs. It functions beautifully as a standalone rewards card or as part of a larger Chase ecosystem strategy.
Does the Chase Freedom Unlimited card have an annual fee?
No, the Chase Freedom Unlimited® Card does not charge an annual fee. This is a major selling point and a significant advantage for cardholders. By waiving the annual fee, the card ensures that every dollar of cashback you earn is pure profit. This feature allows cardholders to maximize their rewards without worrying about extra costs eating into their earnings. This $0 annual fee structure makes the card an excellent long-term keeper, providing continuous value year after year, regardless of spending habits or travel frequency.
What are the bonus cashback categories?
While the card’s base rate is a solid 1.5% on all purchases, the Chase Freedom Unlimited excels by offering impressive elevated rewards in key spending areas. Cardholders can earn a robust 3% cashback on dining at restaurants (including takeout and eligible delivery services) and 3% cashback at drugstores. Furthermore, the card offers an exceptional 5% cashback on travel booked through Chase Ultimate Rewards®. These categories cover essential everyday activities and major expenses, allowing users to rapidly accumulate rewards far beyond the base rate, adding substantial value to their spending portfolio.
Does this card offer a 0% intro APR?
Yes, the Chase Freedom Unlimited® Card often features a valuable introductory offer designed to help users manage large purchases or existing debt. It typically provides a 0% introductory Annual Percentage Rate (APR) for 15 months on both purchases and balance transfers. This promotional period gives cardholders a significant window of time to pay down new expenses or transfer high-interest balances from other cards without accruing interest charges. After the 15-month introductory period concludes, a variable APR, based on creditworthiness, will apply.
How can I redeem my cashback rewards?
The rewards earned on the Chase Freedom Unlimited are highly flexible and tracked as Chase Ultimate Rewards® points (where 1 point equals $0.01 in cashback). Cashback can be redeemed in several convenient ways. The simplest methods include receiving your rewards as a statement credit to offset charges on your bill or as a direct deposit into an eligible checking or savings account. Additionally, rewards can be used to book travel directly through the Chase Ultimate Rewards® portal or exchanged for gift cards. For users who also hold premium Chase cards (like the Chase Sapphire Preferred), the rewards can be transferred and redeemed for higher value, such as transferring to airline or hotel partners.
Does this card have foreign transaction fees?
Yes, it is important for international travelers to note that the Chase Freedom Unlimited® Card charges a 3% foreign transaction fee on purchases made outside of the U.S. This fee is applied to all transactions processed in foreign currencies. Because of this charge, the Freedom Unlimited is less ideal for international travel compared to cards specifically designed for use abroad (often those without foreign transaction fees). It is best utilized for all domestic spending where its cashback categories can be maximized.
Who Should Get This Card?
This card is ideal for individuals seeking an easy-to-use, high-value cashback credit card for their primary everyday spending. It appeals strongly to consumers who want the simplicity of a flat-rate card (1.5% everywhere) but also benefit from enhanced rewards on frequent purchases like dining out and drugstore visits. The Freedom Unlimited is an excellent fit for those looking for a long-term card with no annual fee. Furthermore, it is a crucial component for Chase rewards enthusiasts who wish to pool their Ultimate Rewards points for maximized travel redemption, making it a powerful foundation for any rewards strategy.