Chase

Chase Freedom Unlimited Review

Everyday spenders who want a simple cash-back floor plus a 15-month interest-free window

Updated for 2026

Overview

The Chase Freedom Unlimited pairs a no-annual-fee structure with a flat 1.5% cash-back floor and elevated rates on travel, dining, and drugstores. A 15-month 0% intro APR on both purchases and balance transfers makes it useful for a large purchase or a short payoff plan.

Annual fee	$0
Regular APR	18.24%–27.74% variable
Welcome bonus	$200 bonus after spending $500 on purchases in the first 3 months
Rewards	5% cash back on travel booked through Chase Travel, 3% on dining and drugstore purchases, and 1.5% on all other purchases
Recommended credit	Good to Excellent

Pros & cons

Pros

No annual fee
15-month 0% intro APR covers both purchases and balance transfers
Flat 1.5% base rate with elevated 3% and 5% categories, and points combine with Chase Sapphire cards

Cons

Charges a 3% foreign transaction fee
Subject to Chase's 5/24 rule — approval is unlikely if you've opened five or more cards across all issuers in the past 24 months

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