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Freedom Unlimited®

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Freedom Unlimited®
4.9

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠. Earn 3% cashback on drugstores and dining. Earn 1.5% cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.

$250

Welcome Offer

Earn a $250 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback on Travel purchased through Chase Travel℠.
  • 3% Cashback on Select Categories:
    • 3% Cashback on Drugstore Purchases.
    • 3% Cashback on Dining, including takeout and eligible delivery services.
  • 1.5% Cashback on All Other Purchases.

Partner Benefits

  • DoorDash: Get a complimentary 3 months of DashPass. Afterward, enjoy 50% off DashPass for the next 9 months. Activate by January 31, 2025.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Lyft: Earn 5% cashback on Lyft rides through March 2025.

Redemption Options

Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

Includes Auto Rental Coverage, Travel and Emergency Assistance Services, and Trip Cancellation/Interruption Insurance.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

Zero liability protection, 24/7 fraud monitoring, contactless checkout, free credit score and identity monitoring with Credit Journey®, and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Unlimited® card is a versatile option for maximizing cashback rewards without an annual fee. It offers 5% back on travel booked through Chase Travel℠, 3% on dining and drugstore purchases, and unlimited 1.5% on all other purchases. With a generous welcome bonus, a 0% intro APR for 15 months, and valuable purchase protection benefits, this card makes it easy to earn and redeem rewards while keeping things simple​.