Chase Freedom Unlimited® | Up to 5% Cash Back

The card_name is a top rated card due to its signup bonus and excellent cash back rewards. You get elevated cash back rewards on dining, drugstore purchases, and travel, plus 1.5% on all other purchases. Plus, a welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. There’s also a 0% introductory APR offer on purchases and balance transfers for 15 months, then a variable APR of 20.49% - 29.24%. Redeem rewards for cash or Chase Ultimate Rewards points, all with no annual fee. We dive into the details and your approval odds in this review.

Our Rating

4.9/5.0

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Annual Fee

$0

0% on Purchases

15 months

Reward Rate

1.5% – 5%

0% on Balance Transfers

15 months

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Trip Delay Reimbursement, Trip Cancellation Insurance

Rewards

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each transaction in U.S. dollars
Regular APR20.49% - 29.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 20.49% - 29.24%(V) APR after that.
Balance Transfer Intro FeeEither $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Purchases0% Intro APR for 15 months on purchases, then 20.49% - 29.24% (V) APR after that.

What Credit Score Is Required to Get the Chase Freedom Unlimited®

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • Up to 5% cash back
Cons
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

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