Chase Freedom Unlimited® Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

Chase Freedom Unlimited® proves that you don't need to pay an annual fee to get plenty of perks from your credit card. This card offers a big sign up bonus, 0% intro APR, and highly competitive ongoing cash rewards on purchases.

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Rates & Fees

Chase Freedom Unlimited®

5.0 BCC Score

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on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Rewards Rate

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

Credit Score Needed

Excellent/Good

Card Brand

Visa®

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Pros

Lengthy 0% intro APR on purchases and balance transfers
Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 18.24% - 27.74% Variable, the ongoing APR is relatively high

OUR EXPERT REVIEW

Why We Like It

The Chase Freedom Unlimited® credit card is a powerful card that has a little something for everyone. The standout feature of this card is the stellar rewards program offering top-tier cash back rates: Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. New cardholders can also earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. But there's a lot more to Chase Freedom Unlimited® for consumers to like.

If you're looking for a lengthy intro APR, this card comes with 0% Intro APR on Purchases for 15 months, plus 0% Intro APR on Balance Transfers for 15 months (18.24% - 27.74% Variable APR thereafter). That makes it a great fit if you want a lengthy intro purchase APR to finance a big purchase. As if the cash back rewards and low interest rates weren't enough, cardholders will love that this card also comes with no annual fee.

Below the surface, there are some really enticing perks with Chase Freedom Unlimited®. While this no annual fee card mostly focuses on cash back and low interest, many travel enthusiasts who also carry the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® Card also use the Chase Freedom Unlimited® card to boost their rewards earning.

Pros & Cons

Pros

Lengthy 0% intro APR on purchases and balance transfers
Ability to easily combine points with your other Chase Travel℠ credit cards

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 18.24% - 27.74% Variable, the ongoing APR is relatively high

Pros Explained

Lengthy 0% intro APR: While the cash back is really what makes this card shine, it also doubles as a low interest card thanks to the 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months (18.24% - 27.74% Variable APR thereafter).
Ability to easily combine points with your other Chase Travel℠ credit cards: If you have other rewards cards from Chase (like the Chase Sapphire Preferred® Card) you can easily sync your accounts to combine rewards.

Cons Explained

There is a foreign transaction fee: If you use this card while traveling outside of the United States, you will be charged 3% of each transaction in U.S. dollars. Some credit cards offer no foreign transaction fees.
At 18.24% - 27.74% Variable, the ongoing APR is relatively high: We don't recommend carrying a balance on this card past the 0% intro period. If you only make the minimum payment, the interest charges can pile up quick and be very costly!