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Read moreChase Freedom Unlimited® review: bonus cash back on dining and drugstores
A close look at Freedom Unlimited: its bonus categories, the $200 welcome offer, the 0% intro period and how it compares with other popular cash back cards.
The Credit Time is independent. We may earn a commission when you apply through our links, but it doesn't change our analysis. Rates and terms come from the issuer and can change.
Our verdict
Rates and fees
- Regular APR: 18.24% to 27.74% variable, depending on your credit
- 0% intro APR for 15 months on purchases and balance transfers
- A balance transfer fee applies; check Chase's pricing and terms
- No annual fee
- Read the official terms from Chase
Extra features
- Purchase protection: 120 days, up to $500 per claim
- Extended warranty adds one year to eligible warranties
- Trip cancellation and interruption coverage
- Complimentary DashPass for 6 months when activated by Dec 31, 2027
Pros and cons
Pros
3% back at restaurants and drugstores
5% on travel booked through Chase Travel
$200 welcome bonus
15 months at 0% intro APR
Cons
Just 1.5% on non-bonus spending
5% travel rate requires booking through Chase
Balance transfers aren't free
Full review
Freedom Unlimited pays 1.5% on everything, 3% on dining (takeout and eligible delivery included) and at drugstores, and 5% on travel purchased through Chase Travel. Cash back can be redeemed in any amount.
New cardmembers can earn $200 after spending $500 in the first 3 months, if they haven't received this card's bonus in the last 24 months. Purchases and balance transfers get 0% intro APR for 15 months.
» SEE ALSO: Visit the official Chase page
At a glance
Network: Visa
Earn rate: 1.5% to 5% cash back
Bonus: $200 after $500 in 3 months
Intro APR: 0% for 15 months
Annual fee: $0
Side-by-side comparison
Chase Freedom Unlimited®
Wells Fargo Active Cash® Card
Discover it® Cash BackRates and terms taken from each issuer's official site on 09/23/2026. Regular APRs are variable.
Should you apply?
Freedom Unlimited makes sense if you eat out often or want the biggest welcome bonus on this list.
If your budget goes mostly to other categories, a 2% flat card is likely to earn more over time.
Most of your spending isn't on dining? Wells Fargo Active Cash pays a flat 2% on every purchase.
Apply now