Chase Freedom Unlimited
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn a $200 cash back bonus after spending $500 in the first 3 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
$200 cash back once you reach $500 of spend in your first 3 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.
Earning Rates
At a glance
- 1.5% everywhere
- 5% on travel via Chase
- 3% dining + drugstores
- Free if paired with Sapphire
Important considerations
- Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
Based on this card's terms last verified Jun 2026.
Earning rates
5- 5%travel
5% cash back on travel purchased through Chase Travel (the Chase Travel portal; rate is automatic with no activation and no cap on this category)
- 3%dining
3% cash back on dining at restaurants, including takeout and eligible delivery services (no annual cap on this category)
- 3%
3% cash back on drugstore purchases (no annual cap on this category)
- 1.5%everything else
1.5% unlimited cash back on all other purchases with no spending caps and no rotating categories
- 2%transit
2% cash back on Lyft rides booked through the Lyft app through 09/30/2027 (this is 0.5% incremental on top of the base 1.5% all-other-purchases rate)
Statement credits
2- $40DoorDash Non-Restaurant CreditQuarterly
Up to $10 off per quarter on a single non-restaurant DoorDash order while enrolled in the Freedom Unlimited DashPass benefit
- Cash back is technically earned as Ultimate Rewards points at 1 cent per point and can be redeemed for statement credit, direct deposit to most U.S. checking and savings accounts, gift cards, Apple products via Chase, Pay With Points at Amazon.com, or travel through Chase Travel at a flat 1 cent per point baseline; rewards do not expire as long as the account remains open, but all unredeemed rewards are immediately forfeited if the account is closed
Perks & memberships
4- Authorized users$0 annual fee on the primary card and on authorized users (Chase does not charge an annual fee on Freedom Unlimited)
- MembershipComplimentary 6 months of DashPass membership (covers both DoorDash and Caviar) when activated by 12/31/2027; after the 6-month complimentary period the membership auto-renews at the then-current monthly DashPass rate plus applicable tax until you cancel
- MembershipUp to $10 off per quarter on a single non-restaurant DoorDash order while enrolled in the Freedom Unlimited DashPass benefit (no rollover; if you do not use the full $10 on one qualifying order the remaining value is forfeited)
- No foreign feesForeign transaction fees: 3% of each transaction in U.S. dollars (Bankrate confirms the 3% Foreign Exchange Fee on Freedom Unlimited; this is a key difference from Chase Sapphire Preferred and Sapphire Reserve, which charge $0 foreign transaction fees, and a reason Freedom Unlimited is a poor choice for purchases made outside the United States)
Travel & purchase protections
7- Purchase Protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per claim (Chase notes a specific limitation for New York residents: the coverage period is 90 days from the date of purchase)
- Extended Warranty Protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase
- Trip Cancellation and Interruption Insurance: reimbursement of up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares when a trip is canceled or cut short by sickness, severe weather, or other covered situations (this is significantly lower than the Sapphire Preferred limits of $10,000 per traveler / $20,000 per trip, but it is offered on Freedom Unlimited per the Chase product page)
- Auto Rental Coverage: secondary collision damage waiver when you decline the rental company's collision insurance and charge the entire rental cost to the card (Chase's product page lists Auto Rental Coverage on Freedom Unlimited but it is secondary, not primary; primary CDW is reserved for Sapphire Preferred and Sapphire Reserve)
- Travel and Emergency Assistance Services: legal and medical referrals and access to other travel and emergency assistance services while traveling away from home (the cardholder is responsible for the cost of any goods or services obtained)
- 24/7 Fraud Monitoring: Chase monitors your account for unusual purchases and will text, email, or call you if suspected fraud is detected
- Zero Liability Protection: you will not be held responsible for unauthorized charges made with your card or account information (does not apply to use of an account by an authorized user)
Before you decide, weigh alternatives
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Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $500 in the first 3 months to earn the $200 bonus bonus.
See the Current Offer
Earn $200 bonus
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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