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Chase Freedom Unlimited® card artworkCard artwork from the issuer. Design may vary.
Unsecured credit card · Chase

Chase Freedom Unlimited®

Everyday cash back with higher rates on dining and drugstores, plus an introductory APR offer.

No annual feeEveryday cash back15-month intro APR
See current issuer offer ↗

Issuer terms checked 2026-10-15 · Our editorial approach

Annual fee$0
Purchase APR18.49%–27.99% variable after introductory period
Base rewards1.5% cash back
Account typeUnsecured credit card
The CardsReviews take

An everyday card with a financing deadline.

The baseline reward and higher everyday categories can work well for spending you already make. Separate the opening bonus from ongoing value, and make a payoff plan before the introductory APR ends.

Consider it if: you want recurring rewards and can manage the balance and offer deadlines.
What stands out

The advantages.

  • No annual fee.
  • 1.5% base rewards, with higher rates in specified categories.
  • 0% intro APR for 15 months on purchases and balance transfers.
What to weigh

The trade-offs.

  • A 3% foreign transaction fee.
  • Balance transfers still have an upfront fee.
  • The regular variable APR applies after the introductory period.
The offer, unpacked

Rates, rewards & requirements.

The details below describe the checked offer. Your assigned terms and eligibility may differ.

Rates & fees

Annual fee
$0
Purchase APR
18.49%–27.99% variable after introductory period
Introductory APR
0% for 15 months from opening on purchases and balance transfers
Balance transfer fee
Greater of $5 or 3% for transfers within 60 days of opening; then greater of $5 or 5%
Foreign transaction fee
3% of each transaction in US dollars
Cash advance APR
28.74% variable
Cash advance fee
Greater of $10 or 5%
Penalty APR
Up to 29.99% variable; late or returned payments may trigger it under the agreement
Late payment fee
Up to $40
Returned payment fee
Up to $40
Minimum interest charge
None
Intro-rate loss
Intro APR may end if a required minimum payment is 60 days late
Purchase grace period
Due date at least 21 days after closing; entire balance or eligible Interest Saving Balance must be paid on time

Rewards & account essentials

Rewards
5% on Chase Travel purchases; 3% on dining and drugstores; 1.5% on other purchases
Welcome offer
$200 after $500 in purchases in first 3 months; eligibility conditions apply
Security deposit
No security deposit; unsecured credit card
Bonus eligibility
Not available to current holders of this card or previous holders who received its new-cardmember bonus in the past 24 months
Rewards redemption
Cash back tracked as points; rewards do not expire while the account is open, subject to agreement conditions
Credit limit
Assigned after approval; no universal starting limit stated in the checked product page
Put the terms side by side

Other cards to consider.

Account types and approval requirements differ. This comparison does not predict which card you can obtain.

A closer look

How it works in real life.

Who this card may suit

Freedom Unlimited may fit someone who wants one recurring rewards structure across everyday purchases and can keep borrowing costs under control. Compare it using a normal year of spending. A temporary opening bonus can improve the first year, but it should not substitute for a renewal-year calculation.

A spending example without the opening bonus

Imagine $6,000 a year in the 1.5% category and $2,000 in the 3% categories. That produces $150 in cash back before returns, exclusions, interest or transaction fees: $90 plus $60. Travel booked through a particular portal should be evaluated against the price and terms of the trip, rather than being included automatically at an assumed value.

Plan for the end of the introductory APR

For a hypothetical $3,000 transfer made within the opening 60-day fee window, the 3% fee would be $90, exceeding the $5 minimum. The opening balance would be $3,090. Clearing that in 15 equal months at 0% requires $206 a month, assuming no additional charges. A transfer made after the fee window would have different upfront costs even if the account is still in its introductory APR period.

The 60-day transfer-fee window and 15-month introductory APR are different clocks. Record both dates, use the actual transfer posting amount, and leave time for processing. Keep paying the original account until the transfer is confirmed. Our balance transfer calculator can help set a payment target.

Watch the costs outside ordinary domestic purchases

A hypothetical $1,000 foreign transaction subject to the 3% fee costs an additional $30 before exchange-rate effects. Cash advances have their own fee and APR. Neither should be assessed as if it were an ordinary rewards purchase. If international use is central to your plans, compare an account without a foreign transaction fee.

Alternatives and trade-offs

A simpler flat-rate card might fit spending that rarely falls into the higher-reward categories. Someone focused on repaying debt should compare financing costs first. The secured cards in our catalog serve a different need and tie up collateral; they are not interchangeable approval alternatives.

Questions before applying

Does the headline bonus apply to every applicant?

No. Check the current offer, spending deadline and previous-cardholder restrictions.

Does 0% APR remove the transfer fee?

No. Include the fee in the balance you plan to repay.

Why did our earlier profile flag an APR discrepancy?

A cached older disclosure showed different rates. We retrieved the live September 22, 2026 pricing document in a browser and confirmed its agreement with the current product page.

Editorial profile prepared October 15, 2026. Examples are hypothetical and do not predict approval, an assigned limit or a personal outcome. Editorial review is pending.

Transparent by design

Sources & offer notes.

Product facts come from issuer sources. Our commentary and hypothetical examples explain the trade-offs.

Live pricing disclosure dated September 22, 2026 matches the product page: 18.49%–27.99% variable after the intro period. The earlier December 2025 copy is superseded for this profile. Offers may differ by application channel.