Chase Freedom Unlimited
$200 welcome bonus · 5% on travel (via portal) · $0 annual fee
The Freedom Unlimited's appeal is a base rate most no-fee cards cannot match: 1.5% back on everything, lifted to 3% at restaurants and drugstores and 5% on travel booked through Chase Travel, all for no annual fee. A 15 month 0% intro APR on both purchases and balance transfers gives it a second life as a payoff card, and the $200 bonus after $500 of spend in three months is one of the easier thresholds on the market to clear. That combination is why it sits at #2 on our Best Cash Back list. The catch is the foreign transaction fee, which makes it a poor travel companion despite the 5% portal rate, and the fact that the top rates all funnel through Chase's own booking site. Once the intro window closes the regular APR runs 18.24% to 27.74%, so this is a card to pay in full.
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 10 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.