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, and it layers 3% on dining and drugstores plus 5% on travel booked through Chase Travel on top of that floor. Add 15 months of 0% intro APR on both purchases and balance transfers, and it is one of the more complete no-fee cards around, which is why it ranks as the best no-fee pick on our cash back list. The $200 bonus after $500 in spending in the first 3 months is modest, but the bar to earn it is low. The catch is the foreign transaction fee, so leave it at home when you travel abroad, and know that a 1.5% base rate trails the 2% flat cards for unbonused spending. The DashPass membership is a short-term extra, not a reason to apply.
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.