Chase · Visa
Chase Freedom Unlimited
Flat-rate cash back with bonus categories.
ByHillel Sonnenschine·
No annual fee card earning at least 1.5% on everything plus 3% on dining and drugstores, 2% on Lyft through September 2027, and 5% on travel via Chase Travel. Includes trip cancellation insurance and extended warranty. Pairs perfectly with a Sapphire card to convert cash back into transferable points.
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Annual fee
None
Welcome bonus
~$200
Spend $500 in 3 months
Purchase APR
18.24%, 27.74%
0% intro APR on purchases for 15 months
Foreign tx fee
3%
Welcome bonus
Earn $200 after spending $500 within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 18.24% to 27.74% variable). The balance transfer fee is 3% or $5 (whichever is greater) within 60 days, then 5% or $5 thereafter.
Estimated value: ~$200
Rewards
| Category | Rate |
|---|---|
Travel via Chase Travel | 5% |
Dining and drugstores | 3% |
Lyft purchases through Lyft app Through September 2027 | 2% |
All other purchases | 1.5% |
Benefits
- 0% intro APR on purchases for 15 months
- Trip cancellation and interruption insurance
- Purchase protection
- Extended warranty protection
Best for
- 1Everyday spend
- 2Sapphire pairing
- 3No annual fee
Recommended credit
Good
Terms shown are illustrative based on publicly available information and may have changed. Always confirm current rates, fees, rewards, and terms with the issuer before applying.
