Chase
Chase Freedom Unlimited Review
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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
Compare with similar cards
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.