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In a nutshell
A great all-around rewards credit card for beginners and those wanting to maximize travel purchases.
- No annual fee.
- Can redeem for statement credits, travel rewards and more.
The AP Buyline roundup
This no annual fee credit card offers competitive rewards earnings on travel, dining and drugstores. bonus_miles_full
What’s more, the card_name credit card offers a intro_apr_rate,intro_apr_duration (though there is a balance transfer fee). You can redeem rewards as statement credits or towards rewards through Chase Ultimate Rewards. Plus, if you have other Chase rewards cards, you can combine points to help maximize your earnings.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Rewards details
- 5% cash back on travel purchased through Chase Ultimate Rewards®.
- 5% cash back on qualifying Lyft rides through March 2025.
- 3% cash back on dining at restaurants, including takeout and eligible delivery services.
- 3% cash back on drugstore purchases.
- 1.5% cash back for all other eligible purchases.
Why we like it
A high return rate on everyday purchases is great, but this card ups the ante in a big way: You can turn the cash back you earn into airline miles and hotel points for nearly free travel — skyrocketing the potential value of your rewards. You’ll need to hold an annual fee-incurring Chase Ultimate Rewards card, like the Chase Sapphire Preferred® Card, to do it; but it’s a nice redemption option to have if travel is a goal of yours.
Who is the Chase Freedom Unlimited credit card for?
The card_name credit card is a great fit for those looking to dip their toes into earning rewards for their everyday purchases and don't want to pay an annual fee. It can also be a great fit for those who don't have excellent credit but still want to be able to qualify for a rewards credit card.
Even those who already have another Chase rewards credit card can find the Freedom Unlimited a useful one to keep in their wallet. For instance, you can maximize your rewards earnings in different categories with both the card_name and the card_name credit card and combine points to redeem for travel and other types of rewards.
Chase Freedom Unlimited features
Cash back earnings
Cardholders can earn 1.5% cash back on all purchases, even if it doesn't fall into one of the elevated categories. To earn even more, booking travel through Chase Ultimate Rewards gets you 5% cash back, and qualifying dining and drugstore purchases get you 3% cash back.
0% introductory APR rate
Those who intend to make large purchases or want to lower the amount they pay in interest rates can take advantage of card_name and its intro_apr_rate,intro_apr_duration. This means as long as you adhere to the terms set by Chase, you don't need to pay any interest for purchases or balance transfers for the first 15 months.
Travel protections
There are several types of travel benefits your card may offer, including:
- Trip cancellation: You may be able to get reimbursed for up to $6,000 per trip and $1,500 per person for any nonrefundable and prepaid fares for a covered reason. These reasons include severe weather and sickness.
- Auto rental collision damage waiver: Cardholders can qualify for secondary coverage for rental cards that are damaged due to theft or collision. You will need an eligible Visa card to complete your entire rental car transaction.
The fine print
The card_name charges several fees, including but not limited to:
- Foreign transaction fee: foreign_transaction_fee
- Balance transfer fee: balance_transfer_fees
- Late and/or returned payment fee: late_payment_fee
- Cash advance fee: cash_advance_fee
Additional hidden perks
The card_name also offers other protections such as:
- Purchase protection: Qualifying purchases you make on your card can be covered for up to $500 per claim and $50,000 per account against damage or theft for up to 120 days.
- Extended warranty protection: Qualify for an additional year on an eligible warranty for a purchase that has a term of up to three years.
Where the Chase Freedom Unlimited doesn't measure up
While the card_name offers decent cash back earnings and certain travel and purchase protections, it's not a totally unique card. Other Chase cards offer many of the same benefits, though with the Freedom Unlimited you have the advantage of not having an annual fee. Besides that, this card isn't the best fit if you want to earn more than 1.5% cash back on purchases other than dining, drugstore and travel-related purchases.
Alternatives to the Chase Freedom Unlimited
| Card name | Annual fees | Welcome bonus | Intro APR | Credit score |
|---|---|---|---|---|
card_name | annual_fees | bonus_miles | intro_apr_rate,intro_apr_duration | credit_score_needed |
card_name | annual_fees | bonus_miles | intro_apr_rate,intro_apr_duration | credit_score_needed |
AP Buyline’s content is created independently of The Associated Press newsroom. Our evaluations and opinions are not influenced by our advertising relationships, but we might earn commissions from our partners’ links in this content. Learn more about our policies and terms here.