Pros & Cons

Pros

  • +Welcome Bonus: $200
  • +Up to 3x at restaurants
  • +Purchase protection included

Cons

  • Foreign Transaction Fee (3%)

Our Review

Supercharge Every Purchase with this Limite Time Offer on the Chase Freedom Unlimited® Credit Card

  • $250 bonus after you spend $500 on purchases in your first 3 months
  • 5% cash back on travel booked through Chase Ultimate Rewards®
  • 3% cash back on dining (including takeout & delivery) and drugstore purchases
  • 2% cash back on Lyft rides through September 2027
  • 1.5% cash back on all other purchases
  • No annual fee

Manage your card seamlessly in the Chase Mobile® app, track your Ultimate Rewards® points in real time, and redeem them instantly as statement credits or toward travel, gift cards and more. With flexible bonus categories and effortless redemptions, Freedom Unlimited® is your go‑to for maximizing everyday rewards.

Terms apply. 3% foreign transaction fee. See issuer’s website for complete rates and fees.

Rewards

All Spending

1.5x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Pharmacy

3x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1.5x
$700/mo
Gas & EV1.5x
$200/mo
Transit1.5x
$100/mo
Restaurants3x
$300/mo
Pharmacy3x
$50/mo
Travel1.5x
$150/mo
Bills & recurring payments1.5x
$250/mo
Telecom1.5x
$150/mo
Entertainment & streaming1.5x
$100/mo
Office supplies1.5x
$0/mo
All other spending1.5x
$500/mo

Points Earned

51,300

Cash Back/yr

Estimated Value

$513

After Fees

+$513

1st Year Value

$515

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1.5x12,600 pts
Gas & EV$2,400/yr × 1.5x3,600 pts
Transit$1,200/yr × 1.5x1,800 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 3x1,800 pts
Travel$1,800/yr × 1.5x2,700 pts
Bills & recurring payments$3,000/yr × 1.5x4,500 pts
Telecom$1,800/yr × 1.5x2,700 pts
Entertainment & streaming$1,200/yr × 1.5x1,800 pts
All other spending$6,000/yr × 1.5x9,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.71x
Total points earned51,300 pts
Value of points accumulated in the first year$513

Additional Benefits

  • Six months of complimentary DashPass membership for DoorDash and Caviar, with $0 delivery fees and lower service fees on eligible orders.
  • 2% cash back on qualifying Lyft purchases made through the Lyft app through 09/30/2027.
  • Chase Offers: activate targeted merchant offers in the Chase Mobile app and receive a statement credit within 30 days.

Travel Insurance

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Purchase Protection

Purchase Protection

Up to $500 / 120 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary abroad)

Up to $60,000 / 31 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    3%

Terms & Conditions

Card Features

  • Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase TravelSM, 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

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.