The Ultimate Guide to Credit Cards
Wednesday, May 31, 2023

Chase Freedom Unlimited® Review

"The unlimited 1.5% cash back on purchases makes this card very attractive, as do its market-leading intro rates on purchases and lack of annual fee. Altogether, one of the best cards on the market."
- Toby Sembower,
Advertiser Disclosure





  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
19.74% - 28.49% Variable

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #16 out of 23)
0% Intro APR
(Ranked #6 out of 31)
Best Overall
(Ranked #7 out of 150)
Cash Back
(Ranked #3 out of 53)
Excellent Credit
(Ranked #5 out of 60)
Gas Rebate
(Ranked #4 out of 28)
Good Credit
(Ranked #3 out of 58)
(Ranked #28 out of 39)
(Ranked #4 out of 39)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to Chase Freedom Unlimited®

Be sure to visit the official website for Chase Freedom Unlimited® to learn complete details about its features and terms. If you’re not quite sure if Chase Freedom Unlimited® is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Chase Freedom Unlimited® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.