Chase · Visa
Chase Freedom Unlimited®
Welcome bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Also includes 0% intro APR for 15 months on purchases and balance transfers (then a variable APR of 18.24%–29.99%).
Our conservative value estimate: ~$200
- Annual fee
- $0
- Rewards
- Cash back (earned as Chase Ultimate Rewards points, 1 point = 1 cent; redeemable for cash, but transferable to airline/hotel travel partners only when paired with a premium Chase card such as Sapphire Preferred/Reserve or an Ink Business card)
- Earn rates
- 5% Travel purchased through Chase Travel
- 3% Dining at restaurants (including takeout and eligible delivery)
- 3% Drugstore purchases
- 2% Lyft rides (through 09/30/2027)
- 1.5% All other purchases
- Foreign transaction fee
- 3%
- Purchase APR
- 18.24%–29.99% variable
- Typical credit
- Good (~690–719), Excellent (~720+)
- Issuer rules
- Chase 5/24: generally not approved if you have opened 5 or more personal credit cards across all issuers in the past 24 months
- Not eligible if you currently hold this card or have received a new cardmember bonus on it in the past 24 months
View on Chase ↗Direct issuer link. No affiliate relationship yet.
Sources
Every value above is verified against these sources. Last checked 2026-07-23.
- Chase – Freedom Unlimited product page — signupBonus · accessed 2026-07-23
- Chase – Freedom Unlimited product page — annualFee · accessed 2026-07-23
- Chase – Freedom Unlimited product page — earnRates · accessed 2026-07-23
- Chase – Freedom Unlimited product page — apr · accessed 2026-07-23
- CNBC Select – Freedom Unlimited $200 bonus review — signupBonus · accessed 2026-07-23
- WalletHub – Freedom Unlimited foreign transaction fee (3%) — foreignTransactionFeePct · accessed 2026-07-23
Related
Machine-readable: /api/cards/chase-freedom-unlimited