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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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INTRO OFFER
Chase Freedom Unlimited®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Good to Excellent (670-850)
Chase Freedom Unlimited®
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Card Details
Card Snapshot
Welcome Bonus & Info
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
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.
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
Content by Leading Industry Experts
Routine Updates and Fact-Checks
First-Hand Credit Card Experience
Shared Across 200+ Top Outlets
Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
Great Card If
You want to earn flexible rewards
You want a card with multiple bonus categories
You prefer to avoid an annual fee
Don’t Get If
You want travel rewards, benefits, and perks
Freedom Unlimited Card — Is It Worth It?
If you’re in the market for a no-annual-fee cash-back card, it’s likely that the Freedom Unlimited card would be worth it for you.
With it, you’ll earn 5% cash-back on travel purchased through Chase Travel, 3% cash-back on dining and drugstores, and 1.5% cash-back on all other purchases.
One of our favorite perks of the Freedom Unlimited card is that when you pair it with a premium Chase Ultimate Rewards-earning card, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can redeem rewards for massive travel value for flights and hotels. Such a card combination can help make sure you’re maximizing every dollar you spend and that you have the best redemption options possible.
Personally, I always keep my Freedom Unlimited card in my wallet to use on every purchase that doesn’t fall within a bonus category on one of my other cards. Doing so ensures that I’m always earning as many points as I can on each purchase, which helps me earn enough points for my next trip even faster.
Freedom Unlimited Card Top Benefits
Travel and Purchase Protections
Here are the protections the Freedom Unlimited card offers to help keep you covered:
Trip Cancellation and Interruption Insurance — If you need to cancel a trip due to illness, severe weather, or any other covered circumstance, you’ll receive a reimbursement of up to $1,500 per person and $6,000 per trip for non-refundable travel expenses if you need to cancel your trip or end it early.
Secondary Rental Car Insurance — This covers damage or theft of your rental car but is secondary to your personal auto insurance.
Purchase Protection — This covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection — Warranty protection extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
DoorDash DashPass
Your Freedom Unlimited card gives you 3 free months of DoorDash DashPass, which provides unlimited deliveries with a $0 delivery fee and reduced service fees. After that, you can receive 50% off your DashPass subscription for the next 9 months. Note that this benefit must be activated by January 31, 2025.
Lyft 5% Cash-Back
When you use your Freedom Unlimited card as your payment method on Lyft, you’ll earn 5% cash-back, instead of 1.5%, on all rides through March 31, 2025.
How To Earn and Redeem Your Chase Ultimate Rewards Points
When it comes to redeeming your points, most often, your best option will be redeeming for cash-back. Not only is it the most flexible option, but most of the other redemption options offer identical value.
Still not convinced? Upgraded Points’ Senior Content Contributor Katie Seemann says the Freedom Unlimited card is key to earning Chase Ultimate Rewards:
“Chase points are one of my favorite transferable currencies, and the Freedom Unlimited card is a big part of my Ultimate Rewards strategy. With no annual fee and the ability to earn at least 1.5% cash-back all purchases, it’s always in my wallet. I use this card in conjunction with my Chase Freedom Flex℠ and Chase Sapphire Reserve card to earn tons of Ultimate Rewards points that I transfer to Hyatt for luxury hotel stays at places like Park Hyatt Zurich and Hyatt Ziva Los Cabos.”
Many team members at Upgraded Points consider using Chase Ultimate Rewards points to book World of Hyatt stays a fan favorite. You can read about some of these top-notch stays using points at properties such as Hyatt Regency Maui, Park Hyatt Dubai, Park Hyatt Mendoza, Park Hyatt Sydney, and more.
If you’re after a standard cash-back card, the Citi Double Cash card could be a great fit. The card earns 2% cash-back: 1% when you buy and an additional 1% as you pay for those purchases, all for no annual fee.
If you’re looking for a cash-back card that offers bonus categories for your most frequent purchases, consider the Capital One Savor cardInformation collected independently. Not reviewed by Capital One.. The Capital One Savor card earns 3% cash-back on dining, entertainment, streaming services, and grocery stores (excluding superstores like Walmart and Target) and 1% cash-back on all other purchases.
We’ve also compared the Freedom Unlimited card to other popular cards:
Every card we review is assigned a "U.P. Rating" – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.
These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:
Bonus categories
Benefits and perks
Quality of associated loyalty programs
Annual fees and other costs
Size of the welcome bonus (and relative to the annual fee)
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Custom Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wells Fargo Active Cash® Card was independently collected by Upgraded Points and not reviewed nor provided by the issuer.
For rates and fees of the American Express® Gold Card, click here. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
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