Chase Freedom Unlimited
$200 welcome bonus · 5% on travel (via portal) · $0 annual fee
The Freedom Unlimited earns a flat 1.5% back on everything with no annual fee, then lifts that to 3% on dining and drugstores and 5% on travel booked through Chase Travel. A $200 bonus after just $500 in spend over three months is one of the easiest to earn, and 15 months of 0% intro APR on both purchases and balance transfers adds real flexibility for a big purchase or a debt payoff. The catch is that there's no standout everyday category beyond dining and drugstores, so heavy grocery or gas spenders will do better elsewhere. It also charges a foreign transaction fee, so leave it home when you travel abroad. Treat the 2% on Lyft rides through September 2027 and six months of DashPass as small extras.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) | 5% |
Dining | 3% |
Drugstores | 3% |
Transit On qualifying Lyft rides through September 30, 2027 (limited-time promo; 0.5% on top of the 1.5% base rate) Through Sep 30, 2027 | 2% |
Everything Else | 1.5% |
Card details
Regular APR | 18.24%–27.74% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Chase Freedom Unlimited
Chase Freedom UnlimitedBased on 11 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.