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Chase credit card

Chase Freedom Unlimited Credit Card

  • APR up · 18.24%18.49% · Oct 10, 2026

No annual fee. $200 cash back after you spend $500 in 3 months. Purchase APR 18.49–27.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Chase’s terms

Welcome offer

$200 cash

After you spend $500 on purchases in your first 3 months.

Spending it takes
$167 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Make $500 in purchases during the first 3 months from account opening. Bonus posts 6 to 8 weeks after qualifying. Account must be open and not in default at fulfillment. Not available to current cardmembers or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.

  • Smaller than about 60% of the 48 other cash bonuses we track.

Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

“This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$400$200
Typical spender$705$505
Heavy spender$1,300$1,100
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$200a year

$400 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$505a year

$705 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$1,100a year

$1,300 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Chase Freedom Unlimited rewards program (Cash Back rewards)

How you earn

5%
Earn 5% on travel purchased through Chase Travel℠
3%
Earn 3% on dining at restaurants, including takeout and eligible delivery servicesEarn 3% on drugstore purchases
2%
2% cash back total on qualifying Lyft products and services (rideshare; bike and scooter rides; subscription and membership products) purchased through the Lyft mobile application through 09/30/2027; 0.5% additional on top of the 1.5% base
1.5%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Purchase protection: $500 per item
  • Extended warranty
  • Trip cancellation: $1,500 per covered traveler and $6,000 per trip
  • Rental car
  • Emergency assistance
All 7 benefits
  • Other
  • Other

Changes

18.24%18.49% since Oct 10Oct 10Today
  • Oct 10, 2026 APR 18.24%18.49%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRFirst 15 months that your Account is open
Balance transfer APR
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.

Questions

What is the annual fee?
None · chase.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
Yes: 3% of the amount of each transaction in U.S. dollars.. · chase.com, since Sep 29, 2026
What is the purchase APR?
18.49–27.99% APR · chase.com, since Oct 10, 2026
Is there an intro APR?
0% for First 15 months that your Account is open. · sites.chase.com, since Sep 29, 2026
Is there a welcome bonus?
$200 cash back after $500 in purchases in 3 months. · chase.com, since Nov 1, 2026
See it on chase.com

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