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Chase · Visa

Chase Freedom Unlimited®

✓ Verified

Welcome bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Also includes 0% intro APR for 15 months on purchases and balance transfers (then a variable APR of 18.24%–29.99%).

Our conservative value estimate: ~$200

Annual fee
$0
Rewards
Ultimate Rewards — Cash back (earned as Chase Ultimate Rewards points, 1 point = 1 cent; redeemable for cash, but transferable to airline/hotel travel partners only when paired with a premium Chase card such as Sapphire Preferred/Reserve or an Ink Business card)
Earn rates
  • 5% Travel purchased through Chase Travel
  • 3% Dining at restaurants (including takeout and eligible delivery)
  • 3% Drugstore purchases
  • 2% Lyft rides (through 09/30/2027)
  • 1.5% All other purchases
Foreign transaction fee
3%
Purchase APR
18.24%–27.74% variable
Typical credit
Good (~690–719), Excellent (~720+)
Issuer rules
  • Chase 5/24: generally not approved if you have opened 5 or more personal credit cards across all issuers in the past 24 months
  • Not eligible if you currently hold this card or have received a new cardmember bonus on it in the past 24 months
View on Chase ↗Direct issuer link. No affiliate relationship yet.

Sources

Every value above is verified against these sources. Last checked 2026-07-23. Anything the issuer does not publish is left out rather than estimated, so a missing row means the issuer does not state it.

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