Card details · Chase
Chase Freedom Unlimited review: fees, rewards and APR
The Chase Freedom Unlimited® is a credit card from Chase with a $0 annual fee. By our overall score it ranks #148 of the 242 credit cards we rank (store-only cards excluded), and #33 of 41 Chase cards. It is listed in our cash back, dining and 0% intro APR rankings.
Key facts
- Issuer
- Chase
- Network
- Visa
- Annual fee
- $0
- Welcome offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 18.24%-27.74%
- Balance transfer fee
- 3% intro (60 days), then 5%
- Foreign transaction fee
- None
- Our overall score
- 54 (#148 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked ($250)
- Current offer
- $200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months - Highest tracked since April 2026
- $250
Earn a $250 bonus after you spend $500 on purchases in the first 3 months - Lowest tracked since April 2026
- $200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months - Changes tracked
- 1
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | $250 | Earn a $250 bonus after you spend $500 on purchases in the first 3 months |
| Jun 16, 2026 | $200 | Earn a $200 bonus after you spend $500 on purchases in the first 3 months |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 1.5% cash back on all purchases
- 3% dining/drugstore
- 5% travel via Chase Travel
Intro APR and balance transfers
0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% intro (60 days), then 5%.
Balance transfer fee: 3% intro (60 days), then 5%
Ongoing APR: 18.24%-27.74%
Where it ranks
- Overall: #148 of 242 cards (score 54)
- Chase credit cards: #33 of 41
- Cash back cards: #4 of 69 by our cash back score
- Dining cards: #19 of 64 by our dining score
- 0% intro APR cards: #21 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Chase’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Chase Freedom Unlimited?
$0, as stored in our database. Confirm the current fee on Chase’s site.
Does the Chase Freedom Unlimited have a welcome bonus?
Our database lists this offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months Offers change often and terms apply.
Does the Chase Freedom Unlimited have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% intro (60 days), then 5%. Terms apply.
Does the Chase Freedom Unlimited charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Chase Freedom Unlimited rank on YourBestCards?
#148 of 242 cards by our overall score (54). In our category lists: #4 of 69 cash back cards; #19 of 64 dining cards; #21 of 46 0% intro APR cards.
What is the highest Chase Freedom Unlimited sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is $250 and the lowest is $200, across 1 change. The current offer is $200. This only covers the period we have tracked; terms apply.
Other top Chase cards
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- Annual fee
- $0
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- #5
United Quest℠ Card
Score 69- 8x miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 3x miles earned on entire purchase with the United Quest℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 3x miles on all other eligible United purchases
- Annual fee
- $350
- Welcome offer
- Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open, plus 500 PQP after your first purchase, plus 10,000 bonus miles after you add an authorized user in the first 3 months your account is open (up to 90,000 bonus miles in total).
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.