Chase Freedom Unlimited
No annual fee · 1.5% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 3% | uncapped |
| Drugstores | 3% | uncapped |
| Everything else | 1.5% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
See how it ranks: best dining cards.
Signup bonus: $200 back after $500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $200 bonus encoded as 20,000 CASH points at 1 cent each Bonus figure confirmed on the issuer's page 2026-09-11.
Non-cash perks
- Purchase Protection, up to $500/item, 120 days
- Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip
- 24/7 fraud monitoring
- Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)
- Auto Rental Coverage (secondary in the US)
- World Elite / Ultimate Rewards redemption flexibility: cash, gift cards, travel, Amazon Shop with Points
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Chase Freedom Unlimited vs Chase Freedom Flex — which earns more?
- Chase Freedom Unlimited vs Capital One Savor — which earns more?
- Chase Freedom Unlimited vs American Express Gold Card — which earns more?
- Chase Freedom Unlimited vs Chase Sapphire Reserve — which earns more?
- Chase Freedom Unlimited vs Chase Sapphire Preferred — which earns more?
- Chase Freedom Unlimited vs Citi Strata Premier® Card — which earns more?
- Chase Freedom Unlimited vs Chase Ink Business Cash — which earns more?
- Chase Freedom Unlimited vs Amazon Visa — which earns more?
- Chase Sapphire Reserve vs Chase Sapphire Preferred vs Chase Freedom Unlimited — all three side by side
- Chase Freedom Unlimited vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.chase.com · creditcards.chase.com. Spot an error? Tell us.