Chase Freedom Unlimited review

Freedom Unlimited is a good middle ground between a flat rate card and a category card. Chase pays 1.5% on all purchases, 3% on dining at restaurants including takeout and eligible delivery, 3% on drugstore purchases and 5% on travel purchased through Chase Travel, with nothing to activate. New cardmembers can earn a $200 bonus after spending $500 on purchases in the first 3 months, and the card has a 0% intro APR for 15 months from account opening on purchases and balance transfers, followed by a variable APR from 18.49% to 27.99%. There is no annual fee, cash back does not expire while the account is open, and there is no minimum to redeem. For someone who spends a large share of their budget on restaurants, it can match or beat a 2% card, and its 15 month purchase intro is longer than Active Cash. For mixed spending outside those categories, the 1.5% base rate earns less than the flat 2% cards ranked above it.

Who it is for

People who eat out often and want a long 0% intro APR on purchases.

Price

$0 annual fee.

You won't have to pay an annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 1.5% cash back on all other purchases
• 3% on dining, including takeout and eligible delivery, and 3% at drugstores
• 5% on travel purchased through Chase Travel
• $200 bonus after $500 on purchases in the first 3 months
• 0% intro APR for 15 months on purchases and balance transfers

Strengths and weaknesses

• Strength: No categories to activate
• Strength: A 15 month intro APR on purchases, longer than Active Cash
• Strength: No minimum to redeem and rewards do not expire while the account is open
• Weakness: Base rate of 1.5% is below the 2% flat cards
• Weakness: Higher rates apply only to dining, drugstores and Chase Travel
• Weakness: Variable APR after the intro period can reach 27.99%

Key facts

• Annual fee: $0
• Base rate: 1.5% on all other purchases
• Bonus rates: 3% dining and drugstores, 5% Chase Travel
• Welcome bonus: $200 after $500 in 3 months
• Intro APR: 0% for 15 months on purchases and balance transfers

Where it ranks

Chase Freedom Unlimited is No. 4 in our Best Cash Back Credit Cards verdict.