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Chase Freedom Unlimited
A solid no-fee everyday card, but its real value shows up only when you also hold a Sapphire to convert that cash back into transferable points. On its own you get 1.5% flat plus bonus dining and drugstore rates; spend $15,000 across general purchases and that's about $225 back. The flat-rate Wells Fargo Active Cash pays more (2%) if you won't pair cards, so pick this one for the Chase ecosystem, not in isolation. Verify intro-APR length on chase.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Pair it with a Sapphire card to turn cash back into travel points
- ✓Redeem at any amount, no minimum
- ✓Stretch of 0% intro APR
👍 Pros
- + No annual fee
- + Dependable flat rate with extra bonus categories on top
- + 0% intro APR
👎 Cons
- – 3% fee on foreign purchases
- – Bonus categories don't add up to much in value
Can you get it?
- ▸A good credit score
- ▸Counts against the Chase 5/24 rule
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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