Chase Freedom Unlimited® Card
Cash-back credit card offering unlimited rewards on all purchases, bonus cash back in select categories, no annual fee, and flexible redemption options through Chase Ultimate Rewards®.
Unlimited 1.5% cash back on every purchase
The Chase Freedom Unlimited® Card ensures that you earn a consistent 1.5% cash back on every purchase you make, with no need to track categories or enroll in special promotions.
3% cash back on dining and drugstore purchases
Cardholders enjoy 3% cash back when spending at restaurants, including takeout and eligible delivery, as well as purchases made at drugstores.
5% cash back on travel purchased through Chase Ultimate Rewards®
When booking flights, hotels, and car rentals through Chase Ultimate Rewards®, cardholders receive 5% cash back, making it an excellent option for travelers.
No annual fee
With no annual fee, all the rewards you earn are pure profit, allowing you to maximize your cash back without worrying about extra costs.
Why the Chase Freedom Unlimited® Card Stands Out
The Chase Freedom Unlimited® Card is one of the most versatile cash-back credit cards available, appealing to both casual users and rewards enthusiasts. Its core strength lies in simplicity: every purchase earns at least 1.5% cash back, which means you never have to worry about tracking rotating categories or quarterly activations. For frequent travelers, the 5% back on bookings through Chase Ultimate Rewards® significantly boosts savings. Meanwhile, the 3% cash back on dining and drugstore purchases ensures that everyday expenses—from takeout to pharmacy runs—generate meaningful rewards. Another key benefit is the card’s strong redemption options. Points can be used for statement credits, gift cards, travel bookings, or even transferred to Chase’s premium travel partners if paired with another Ultimate Rewards® card. Combined with no annual fee, the Chase Freedom Unlimited® Card delivers exceptional value, particularly for those who want a straightforward way to earn rewards without sacrificing flexibility.
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What credit score do I need to qualify for the Chase Freedom Unlimited® Card?
Most applicants approved for the card have good to excellent credit, typically a score of 670 or higher.
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Does the Chase Freedom Unlimited® Card have an annual fee?
No, this card has no annual fee, making it easy to maximize your rewards.
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Can I redeem my cash back for travel?
Yes. You can redeem rewards through Chase Ultimate Rewards® for travel, gift cards, cash back, and more.
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Is there a foreign transaction fee?
Yes, the Chase Freedom Unlimited® Card charges a 3% fee on purchases made outside the U.S.
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How soon can I start earning rewards?
Rewards begin accruing immediately after your account is opened and purchases are made.
How to Apply for the Chase Freedom Unlimited® Card
Applying for the Chase Freedom Unlimited® Card is straightforward and can typically be completed online in a matter of minutes. Start by visiting Chase’s official website, where you’ll find a secure application form. You’ll need to provide standard personal details, including your name, Social Security number, income, and employment information. Chase will then perform a credit check to determine your eligibility. Generally, applicants with good to excellent credit scores (typically 670 and above) have higher approval odds. Once approved, you’ll receive your card by mail, often within 7–10 business days. If you already have an online Chase account, you can track your application status directly. Chase also offers pre-qualification tools, allowing you to see if you’re likely to be approved without impacting your credit score. It’s worth noting that new cardholders may qualify for a welcome bonus by meeting a minimum spending requirement within the first few months. Be sure to review the terms of the current promotion, as it can significantly boost your rewards early on. With no annual fee and competitive rewards, the Chase Freedom Unlimited® Card remains a top pick for those seeking both simplicity and strong earning potential.