Last updated: 8/30/2022

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Chase Freedom Unlimited

Earns: Cash Back


A great card for people who like to keep it simple. It offers 1.5% cash back on all spending, one of the better deals going, plus a new 3% bonus on dining and drugstores. Squeeze more value out of the card by pairing it with a Chase card that earns Ultimate Rewards—you can transfer your Freedom points into the program.

This card is best for:

  • Dining
  • Drugstores
  • All Spending

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Here’s how much you would earn with this card

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  • Solid 1.5% cash back on all purchases.
  • 3% for dining and drugstores makes it even more valuable.
  • Earnings can be combined with an Ultimate Rewards earning card.


  • Depending on your spending, you could earn a bit more with another card.

See how the Chase Freedom Unlimited compares to other credit cards

Chase Freedom Unlimited Other Cards

Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %


Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %


Reward Rate = 1.5x

Value = 1 cent per point
Effective Value = 1.5 %


Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200


Annual Fee = $0

Welcome Bonus


Bonus Rating

Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3% Dining

Very Good

very good

3% Drugstores




In the top 15% of cards.

1.5% All Other




In the top 50% of cards.

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
Other Card Information

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(R), 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).

Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
PURCHASES APR 17.24% – 25.99%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 27.24% Variable
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.