Edited by: Jessica Merritt
& Stella Shon
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
Matched Cash Back
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Good to Excellent (670-850)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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.
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 purchases through Chase Ultimate Rewards, 3% cash-back on dining and drugstores, and 1.5% cash-back on all other purchases, not to mention that the card offers perks with DoorDash, Lyft, and Instacart.
Since it earns an uncapped 1.5% cash-back on all non-bonused purchases, this is one of the best cards for monthly bills and utilities.
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.
Here are the protections the Freedom Unlimited card offers to help keep you covered:
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.
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.
The Freedom Unlimited card also offers 3 free months of Instacart+, which provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders. Plus, you can earn up to $10 in statement credits each quarter through July 31, 2024, when you make eligible Instacart purchases with your card.
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.
That said, if you pair your card with a premium Chase card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card, you’ll have access to the Chase airline and hotel partners, which can open up many of the best ways to redeem Chase Ultimate Rewards points.
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.”Katie Seemann, Senior Content Contributor
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 it’s a standard cash-back card you’re after, the Citi Double Cash card could be a great fit for you. The Citi Double Cash card earns 2% cash-back: 1% when you buy and an additional 1% as you pay for those purchases, all for no annual fee.
Read our full comparison of these 2 cards: Freedom Unlimited card vs. Citi Double Cash card.
If you’re looking for a cash-back card that offers bonus categories for what you spend the most on, consider a card like the Capital One Savor card. The Capital One Savor card earns 10% cash-back on Uber and Uber Eats, 4% cash-back on dining, entertainment, and streaming services, 3% cash-back at grocery stores, 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:
You can learn more about how Upgraded Points reviews and rates credit cards.
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 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 Wells Fargo Active Cash® Card was independently collected by Upgraded Points and not provided nor reviewed 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.
The Freedom Unlimited card could be perfect if you’re looking for a strong cash-back card and will utilize other Chase cards to optimize your rewards points.
Yes, the card is a cash-back card. You will earn 5% cash-back on travel purchased through Chase Ultimate Rewards, 3% cash-back on dining at restaurants and drugstore purchases, and 1.5% cash-back on all other purchases, which is usable as a statement credit.
No, the Freedom Unlimited card does not charge an annual fee.