Chase Freedom Unlimited
Visa cash back card with no annual fee. Earns 5x on travel booked through Chase Travel, 3x on dining and drugstores, 1.5x on everything else.
Terms read from Chase's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Intro APR on purchases
- 15 months
- Intro APR on balance transfers
- 15 months
Rewards
- 5x on travel booked through Chase Travel
- 3x on dining and drugstores
- 1.5x on everything else
Earns Chase Ultimate Rewards (Freedom cards alone), valued at 1 cents as cash, 1 through the issuer's travel booking.
Not confirmed
- Foreign transaction fee and balance transfer fee aren't on the card page.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $408 | $208 | $824 | Month 1 |
| Family | $886 | $686 | $2,257 | Month 1 |
| Frequent traveller | $1,014 | $814 | $2,641 | Month 1 |
Frequently asked questions
Is the Chase Freedom Unlimited worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $886 in year 1 and $686 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Chase Freedom Unlimited welcome bonus?
$200 bonus (20,000 points) after $500 in purchases in the first 3 months.
Does the Chase Freedom Unlimited charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.