ChaseEditor's ChoiceBest for All-around cash back
Chase Freedom Unlimited®
Annual Fee
$0
Rewards Rate
1.5%-5%
Intro Offer
$200
Regular APR
20.49%-29.24% Variable
Chase Freedom Unlimited®
Chase Freedom Unlimited®
1.5%–5% cash back with no annual fee.
Our take
A standout no-annual-fee card with strong bonus categories and a simple earning structure. Good for everyday spend and pairing with other Chase cards.
Highlights
What we like
No annual fee
Strong bonus categories (dining, drugstores, travel via Chase)
0% intro APR for 15 months
The trade-off
3% foreign transaction fee
Bonus categories require activation
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1.5%-5% |
| Rewards type | Cash back |
| Bonus categories | 3% on dining3% on drugstores5% on travel |
| Welcome offer | $200 |
| Offer requirements | after $500 in purchases in first 3 months |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% intro APR for 15 months |
| Ongoing APR | 20.49%-29.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
after $500 in purchases in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Chase Freedom Unlimited®