Chase Freedom Unlimited
No annual fee · 1.5% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| 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 2026-09-14.
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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
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 Robinhood Platinum Card — which earns more?
- Chase Freedom Unlimited vs Chase Ink Business Cash — 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.