The Chase Freedom Unlimited is made for people who juggle bills, groceries, nights out, and travel plans—offering cash back that fits naturally into the rhythm of everyday spending. If you’re looking for a card that supports your lifestyle without overcomplicating things, this one delivers.
It’s not just about flashy categories or rotating calendars. With Freedom Unlimited, you earn more on the things you already buy and enjoy a generous introductory APR, all with no annual fee. That’s practicality with purpose.
Why It Works for Everyday Americans
1. 1.5% Cash Back on All Purchases
Whether you’re picking up essentials or buying something special, you earn a flat 1.5% cash back across the board. No exclusions, no tracking categories—just consistent rewards.
2. Elevated Earnings in Popular Categories
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining including takeout and eligible delivery, and 3% on drugstore purchases. These everyday essentials and experiences turn into cash back automatically.
3. Intro 0% APR for 15 Months
You get an introductory 0% APR on both purchases and balance transfers for 15 months—giving you extra flexibility on large purchases or credit card consolidation. After that, a variable APR applies.
4. No Annual Fee
There’s no cost to carry the card, which means you’re maximizing every dollar you spend and every reward you earn.
5. Simple and Flexible Rewards Redemption
Redeem your cash back for statement credits, bank deposits, gift cards, Amazon purchases, and more. No confusing point conversions or hoops to jump through.
6. $200 Welcome Bonus
Spend $500 in the first 3 months and receive a $200 cash bonus. It’s a simple, fast reward for getting started.
7. Combine Rewards with Other Chase Cards
Already have a Chase Sapphire card? Combine your Freedom Unlimited earnings for higher redemption value toward travel through Chase Ultimate Rewards®.
8. Useful Account Tools and Alerts
Track your spending, set alerts, and stay on top of your payments using the Chase mobile app or online dashboard.
9. Zero Liability for Unauthorized Purchases
You’re protected with Chase’s fraud monitoring, zero liability policy, and real-time alerts.
10. Tap to Pay and Digital Wallet Ready
Your Freedom Unlimited card supports contactless payments and mobile wallets like Apple Pay, Google Pay, and Samsung Pay.
Who Can Apply?
To be eligible, you must:
- Be at least 18 years old (or 19 in certain states)
- Be a U.S. resident
- Have a valid Social Security number
- Have a good to excellent credit score (typically 670+ recommended)
How to Apply
- Visit Chase’s Freedom Unlimited page
- Click “Apply Now”
- Fill in your personal and financial information
- Submit and receive a credit decision, often instantly
