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Updated October 9, 2017

Chase Freedom Unlimited Review: Is It Good?

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
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With 1.5% cash back and no annual fee, does Chase Freedom Unlimited live up to the hype? Read this in-depth review to see how it stacks up.

Chase Freedom Unlimited
Apply Now

Overall Score

4.3

Rewards

4.5

Interest Rates

4.0

Fees

4.5

Benefits

4.0
5-point scale (the higher, the better)

Pros and Cons

  • Unlimited 1.5% cash back
  • $150 bonus offer
  • Intro APR
  • Foreign transaction fee

Bottom Line

Great cash back credit card for everyday purchases

With a juicy sign-up bonus, no annual fee and an introductory APR, Chase Freedom Unlimited card stands out by offering a higher-than-average cash back for every single purchase.

So how does it compare against other popular cash back cards like Chase Freedom, Citi Double Cash, and Capital One Quicksilver? Each one works a little bit differently.

We'll take you through the pros and cons to help you determine if Chase Freedom Unlimited is a good card.

Who This Card is Good For

If any of these things describe you, you may like Chase Freedom Unlimited:

  • You want a simple cash back card. This card gives you 1.5% cash back on all purchases without the hassle of having to keep up with different category tiers.

  • You tend to spread your spending between gas, groceries, movies, shopping, dining out, etc. (Keep reading for the best ways to maximize cash back.)

  • You're planning on making large purchases because this card has an introductory APR.

10 Reasons to Get This Card

  1. $150 Bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. You will receive 15,000 in rewards points, which can then be converted into $150 in cash rewards back to you (at a rate of 1 cent per point).

  2. Additional $25 bonus : Add your first authorized user to your account (someone you trust, obviously) and pocket another $25 as a thank you when they make a purchase within the first 3 months from account opening.

  3. Cash back on every purchase: You get unlimited 1.5% cash back on every purchase automatically. You don't even have to worry about enrolling in bonus categories.

    Tip: If you spend $1,000 each month, you would earn $330 cash back in your first year ($150 for spending $500 in your first three months plus $180 in 1.5% cash back rewards) and $180 each year after that. That makes this card work well as a primary card as long as you pay off the balance each month.

  4. No annual fee: Always a plus.

  5. Pool your points with Chase Sapphire Preferred or Ink Business Preferred: Like to travel? Go on a lot of business trips? Chase Freedom Unlimited isn't a travel rewards card per se, but you can get more out of your Freedom Unlimited points if you have a premier Ultimate Rewards-earning card as well.

    Instead of redeeming your points for cash, pool your points with your Chase Sapphire Preferred points. Then you can either transfer the points 1:1 to a travel partner such as Hyatt Hotels and United Airlines OR get 20% off travel when you redeem your points for airfare, hotels, and car rentals through Chase Ultimate Rewards®.

    Have a business? You can also pool your Ultimate Rewards points with the Chase Ink Business Preferred. You would then be able to redeem points toward travel through Chase's travel portal at a 20% discount or transfer to Chase's airline and hotel partners at a 1:1 ratio.

  6. Get a break with an introductory APR: This card offers 0% Intro APR for 15 months from account opening on purchases and balance transfers (then a variable APR of 15.99-24.74% after that). The balance transfer fee is 5% of the amount transferred with a $5 minimum. This is great if you need to make a large purchase soon or if you are trying to pay off the balance on another card.

  7. No waiting for your rewards: You don't have to wait to hit a required benchmark, such as $25 or $50, to start redeeming your rewards. There's no minimum amount required, so you can redeem any time you want.

  8. Your cash back rewards do not expire as long as your account is open: Your points never expire as long as you keep the account open and it stays in good standing, so don't worry about losing them if you forget to redeem.

    Tip: Earn more rewards by referring your friends. The Chase "Refer A Friend" program gives you bonus points if your friends and family sign up for the card through you. You can get up to $500 cash back per year through this program. Read our detailed Chase Refer A Friend guide to learn how to get your personalized referral link.

  9. Bargain-hunting will get you rewarded: Chase Unlimited Freedom has a Price Protection feature. If you bought an item in the U.S. and then found a lower advertised price within 90 days, you can be reimbursed the difference for up to $500 per eligible item (the reimbursement maxes out at $2,500 per year).

  10. Just carry one card: Not all cards are accepted everywhere (we're talking to you, Amex and Discover). But Chase Freedom Unlimited card offers widespread acceptance, which will serve you well if this is the credit card you choose to use. Plus, you get peace of mind as you're protected with $0 fraud liability, chip-enabled security, purchase protection, and auto rental collision damage waiver.

Learn more about Chase Freedom Unlimited

Which is the Best Chase Credit Card to Get for 2017?

REASONS TO CONSIDER OTHER CARDS

  • You'll pay a foreign transaction fee: Chase Freedom Unlimited will charge a foreign transaction fee of 3% of each transaction in U.S. dollars every time you make a purchase in another country. If you travel frequently, you'd want a card that has no foreign transaction fee.

  • You'll pay a balance transfer fee: Many credit cards only charge a 3% balance transfer fee, but with Freedom Unlimited, you'll pay either $5 or 5% of the amount of each transfer, whichever is greater. If your goal is paying off debt and you have a large balance to transfer, you may want to consider Chase Slate, which has a no balance transfer fee promotion.

  • You could potentially earn more cash back with other cards:

    With those two cards, you have the potential to earn more than the Chase Freedom Unlimited if your spending falls in line with their bonus categories.

    But of course, you have to keep up with the categories in order to get this benefit. With Freedom Unlimited, there's nothing to keep track of every quarter.

  • You may be better off with a travel rewards card: If you travel but don't want to play the airline miles and points game, consider the Barclaycard Arrival Plus, which earns 2X the miles on every purchase. Plus, you'll get another 5% in miles back every time you redeem. But be aware - there's also an $89 annual fee (waived the first year).

  • You don't have good credit: Chase usually requires good to excellent credit for their cards. If you know your credit isn't quite there, focus on building credit first.

1.5% REWARDS

© CreditDonkey

You'll get unlimited 1.5% cash back with Freedom Unlimited. Other similar cards only offer 1% on everyday purchases, so you can easily see the benefit of 1.5%.

If you spend $1,000 on average per month on your card, you will earn $15 in cashback per month, which is $180 in a year. Not too bad.

But you can make your rewards go even further, which we'll explain next.

Best Ways to Use This Card

© CreditDonkey

So, is Chase Freedom Unlimited a good credit card? A flat 1.5% reward rate is decent, but to really get the most out of this card, it's best to pair it with another Chase Ultimate Rewards (UR) credit card like the Chase Sapphire Preferred. You can pool your points between your Ultimate Reward cards, which will allow you to use them on the card that gives the highest redemption value.

Earning travel rewards: The Freedom Unlimited alone will only get you cash back. But you can use the points you earn with it toward travel (at a higher redemption rate) if you have one of the premier UR cards (Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred). After you pool your points with these cards, you can then transfer them 1:1 to a travel partner program.

For Travelers: Chase Sapphire Preferred lets you earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. You can earn 5,000 bonus points if you add your first authorized user and make a purchase within the first three months from account opening. This card lets you earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. The points can be transferred 1:1 to leading frequent travel programs including airline transfer partners. The card has a $0 foreign transaction fee. The card also comes with premium travel and purchase protection benefits (including trip cancellation/trip interruption insurance and auto rental collision damage waiver). There is an Introductory Annual Fee of $0 the first year, then $95.

For non-travel and non-dining purchases, you can use the Freedom Unlimited to get 1.5% where you would only get 1X the points with the Sapphire Preferred.

Chase Sapphire Preferred & Chase Ink Preferred: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.

Maximizing cash back: Chase Freedom offers 5% cash back on up to $1,500 on purchases in rotating bonus categories and 1% on everything else. Past categories have included grocery stores, restaurants, and gas. To get the most cash back possible, use Chase Freedom Unlimited as your primary card and Chase Freedom when you're purchasing something that falls within the 5% bonus categories.

Watch Out: Chase has a 5/24 rule. This means that if you've opened 5 or more credit card accounts in the past 24 months, your application will not go through (even with a fantastic credit score). The rule includes non-Chase accounts as well as any new accounts that have been closed. If you're thinking about opening accounts for any of these pairings, improve your Chase Freedom Unlimited approval odds by prioritizing your Chase application over cards from other banks.

HOW IT COMPARES

You might want to consider other popular rewards cards if you're not sure Chase Freedom Unlimited works for your lifestyle.

If you want the potential for more cash back:
Chase Freedom. Same family, different reward percentages. Chase Freedom offers only 1% back on most purchases (vs Chase Freedom Unlimited at 1.5%), but with Freedom, the rotating bonus categories offer 5% back when you make a purchase in that category (keep in mind there's a $1,500 per quarter limit and requires free activation). If you think earning another 3.5% back on specific quarterly purchases is more beneficial, you might want to opt for Chase Freedom card instead.

Tip: If rotating categories sound like too much hassle, then you may want to stick with Chase Freedom Unlimited. You don't have to keep track of quarterly bonus categories or remember to activate them. Read our detailed comparison on Freedom vs Freedom Unlimited to find out which one is better for you.

 

Chase Freedom Unlimited

Chase Freedom

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% introductory APR for 15 months
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors15.99% to 24.74% Variable based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors15.99% to 24.74% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.Introductory Bonus Cash Back: Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!Cash Back Rewards: Unlimited 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2017:
Q1 (January 1 – March 31, 2017): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2017): Grocery stores (not including Walmart® and Target® purchases)
Q3 (July 1 – September 30, 2017): Restaurants and movie theaters
Q4 (October 1 – December 31, 2017): Walmart and department stores

Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If you want to earn cash back twice:
Citi Double Cash. If you just want cash back and don't really travel, you'd be wise to consider this card. You'll get 1% cash back when you buy and another 1% when you pay for those purchases. However, your rewards expire in 12 months if there's no activity on your account. There's no sign-up bonus either, so you'll have to spend and make payments on $7,500 with the Citi Double Cash to get $150 in cash back (in comparison, you get $150 as a bonus for just spending $500 on the Chase Freedom Unlimited within the first 3 months of opening your account).

Do Chase reward points expire? No. Your Chase Freedom Unlimited reward points never expire as long as your account is active and in good standing.

Which gives more rewards? Because Citi Double Cash has no sign-up bonus, you would have to spend $30,000 in purchases (and pay it off) the first year in order to earn more rewards than you would with Freedom Unlimited.

Read our detailed review of Chase Freedom Unlimited and Citi Double Cash to see which one is better for you.

 

Chase Freedom Unlimited

Citi Double Cash

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 15 months0%* introductory APR for 18 months*
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors14.49% to 24.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors14.49% to 24.49%* (Variable) based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. 
Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!Cash Back Rewards: Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases

Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on June 20, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If you want to travel abroad:
Capital One Quicksilver. You get a flat 1.5% cash back on every purchase and a $150 bonus when you spend $500 within the first 3 months. A major advantage of the Capital One Quicksilver is that there are no foreign transaction fees, so you can take this card with you on vacations abroad.

Keep in mind that even though the rewards seem similar, your points could be worth more with Chase Freedom Unlimited if you also have the Chase Sapphire Preferred (or get it later down the line). Think about if you would like to be in the Ultimate Rewards family.

How do I redeem my Chase Freedom Unlimited points? You can redeem Chase points for a statement credit, exchange them for gift cards, or use the points to book travel on the Ultimate Rewards travel portal. However, if you also have one of the premium Chase credit cards (like Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Preferred), you can combine your points onto that card. This will then allow you to book travel on the Chase travel portal at a discount or transfer points 1:1 to Chase transfer partners.

 

Chase Freedom Unlimited

Capital One Quicksilver

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 months0% intro on purchases for 9 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% intro on balance transfers for 9 months
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors13.99% to 23.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors13.99% to 23.99% (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.Introductory Bonus Cash Back: Earn a one-time $150 bonus if you spend $500 on purchases within three months of account opening.
Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!Cash Back Rewards: Earn 1.5% cash back on every purchase

Capital One Quicksilver: Pricing information including interest rates, rewards, benefits and fees was obtained on July 19, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If you have a large balance to transfer:
Chase Slate. Another member of the family but with balance transfer advantage. You won't earn any cash back or reward points with the Chase Slate (Chase Freedom Unlimited vs Slate), but there's a no balance transfer fee promotion during first 60 days, which can save you hundreds of dollars if you transfer a high balance.

 

Chase Freedom Unlimited

Chase Slate

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% introductory APR for 15 months
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors15.99% to 24.74% Variable based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors15.99% to 24.74% Variable based on your creditworthiness and other factors
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater$0 intro balance transfer fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. 
Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic! 

Chase Slate: Pricing information including interest rates, benefits and fees was obtained on July 17, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Slate has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If you're a frequent traveler:
Chase Sapphire Preferred. Another sibling in the Chase brood, Chase Sapphire Preferred is a fantastic card for frequent travelers. You can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®.

If you do opt for this travel-rich rewards card, you'll be able to transfer your rewards points to popular travel partners such as United and Southwest at a 1:1 ratio. Keep in mind, though, that you'll pay for those benefits through the annual fee (Introductory Annual Fee of $0 the first year, then $95 each year after).

Who are Chase Sapphire's airline partners? Chase has 7 airline partners: United, Southwest, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic. With a premium Chase Ultimate Rewards card such as the Chase Sapphire Preferred, you can transfer your points 1:1 to a frequent flyer partner program with one of these airlines.

 

Chase Freedom Unlimited

Chase Sapphire Preferred

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. - Learn more

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® - Learn more

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 15 monthsN/A
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual feeIntroductory Annual Fee of $0 the first year, then $95
 

Benefits and Features

Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic! 
Points Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 Apply NowApply Now

If you want a travel card with no annual fee:
Discover It Miles: Do you travel often? Discover It Miles offers 1.5% rewards with no foreign transaction fees. And you wouldn't need to play the airline transfer game. You simply redeem points for a statement credit on travel-related purchases. One major downside is you lose the widespread acceptance of Visa.

Tip: If you want cash back with Chase Freedom Unlimited, you can either get a statement credit or have it direct deposited into your bank account. You can redeem any amount, at any time.

 

Chase Freedom Unlimited

Discover it Miles

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR for 14 months
Introductory APR for Balance Transfers0% introductory APR for 15 months10.99% introductory APR for 14 months
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors11.99% to 23.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors11.99% to 23.99% (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee3% of each transaction in U.S. dollarsNo foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. 
Airline Deal Introductory Bonus Airline Rewards: Discover will match all the miles you've earned at the end of your first year (only for new cardmembers).
Cash BackCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic! 
Travel Travel Rewards: 1.5x Miles on every dollar you spend on purchases. Redeem Miles in any amount to credit travel purchases from your statement, or get cash at any time.
Airline Airline Rewards: 1.5x Miles on every dollar you spend on purchases.
Bonus Airline Rewards Bonus Airline Rewards: Discover pays you back for your in-flight Wi-Fi fees-up to $30 a year-with an automatic statement credit.*

Discover it Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on July 3, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Discover it® Miles has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If your expenses are mostly on groceries and gas:
Blue Cash Everyday from American Express, a CreditDonkey partner, makes sense if your monthly expenses are mostly on groceries and gas. You get 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.

 Chase Freedom UnlimitedBlue Cash Everyday Card from American Express
 Apply NowApply Now
 

Chase Freedom Unlimited®

Blue Cash Everyday® Card from American Express

 

Summary

 
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR on Purchases for 15 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% introductory APR on Balance Transfers for 15 months
Purchase APR15.99% to 24.74% Variable based on your creditworthiness and other factors13.99% to 24.99% Variable based on your creditworthiness and other factors
Balance Transfers APR15.99% to 24.74% Variable based on your creditworthiness and other factors13.99% to 24.99% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.Introductory Bonus Cash Back: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash Back RewardsCash Back Rewards: Unlimited 1.5% cash back on every purchase - it's automatic!Cash Back Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Gas Rewards Gas Rewards: 2% cash back at U.S. gas stations.
Grocery Rewards Grocery Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
 Apply NowApply Now

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

BOTTOM LINE

© Moyan Brenn (CC BY 2.0) via Flickr

Chase Freedom Unlimited is a very solid cash back card. The main drawback is the foreign transaction fee.

Whether you're buying groceries or paying bills, the cash back you'll accrue along with the great introductory APR period makes this card worth it.

And if you have the Chase Sapphire Preferred working in tandem, then you must seriously consider getting this card as the travel perks you'll acquire by pooling your points from both cards is off the charts. You can then transfer them to airline travel partners, making Chase Freedom Unlimited one of the best no annual fee rewards credit cards we've seen.

Next Step: View the issuer's official application, terms, and details

Cynthia Cohen is a retail analyst at CreditDonkey, a credit card comparison and financial education website. Write to Cynthia Cohen at cynthia@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on May 6, 2016. This content may have been updated on October 9, 2017. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom, Discover it® - Cashback Match™, Chase Sapphire Reserve, Citi® Double Cash Card, Chase Slate, Capital One® Quicksilver® Cash Rewards Credit Card, and Discover it® Miles has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Chase Freedom Unlimited
Apply for Chase Freedom Unlimited
At Chase's Secure Site
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
15.99% - 24.74% Variable
$0

Compare Chase Freedom Unlimited to:

Compare Chase Freedom Unlimited vs Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Compare Chase Freedom Unlimited vs Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Compare Chase Freedom Unlimited vs Amex EveryDay

The Amex EveryDay® Credit Card from American Express


Chase Sapphire Preferred

Travel credit cards are a great way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offers and premium travel benefits. Read on to see if the Sapphire Preferred's annual fee is worth ...
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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.