Chase Freedom Unlimited Card
| Annual fee | $0 Fact |
| Foreign transaction fee | 3% |
| Rewards currency | cash back |
| Cash back value | 1.00¢ Fact |
Last updated Oct 29, 2026
Checked Oct 25, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 30,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Oct 2024 · 2.9 yr | 20,000 points | $500 |
| Oct 2024 to Jan 2025 · 3 mo | 15,000 points | $500 |
| Jan 2025 to Mar 2025 · 2 mo | 25,000 points | $500 |
| Mar 2025 to Jan 2026 · 10 mo | 20,000 points | $500 |
| Jan 2026 to Feb 2026 · 2 mo | 30,000 points Best | $500 |
| Feb 2026 to Apr 2026 · 2 mo | 20,000 points | $500 |
| Apr 2026 to Apr 2026 · 1 day | 25,000 points | $500 |
| Apr 2026 to Oct 2026 · 6 mo | 20,000 points | $500 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel (issuer portal) | 5% | cash back | No cap |
| Drugstores | 3% | cash back | No cap |
| Restaurants | 3% | cash back | No cap |
| Everything else | 1.5% | cash back | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 2% | Earn 2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 (0.5% additional on top of base 1.5%). |
Recurring credits
Estimated value| DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027. Shared across the account
|
$40/yr (Quarterly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsProvides legal and medical referrals and access to travel and emergency assistance services while traveling away from home.
6 months of complimentary DashPass access unlocking $0 delivery fees and lower service fees on eligible DoorDash and Caviar orders. Automatically enrolled at current monthly rate after complimentary period. Must activate by Dec 31, 2027.
Eligible cardmembers can break up credit card purchases of $100 or more into fixed monthly payments with a fixed monthly fee instead of interest, with plan durations of 3-24 months; also available at checkout on Amazon.com for orders of $50 or more.
Reimbursement for theft and collision damage for most rental vehicles when declining the rental company's collision insurance and charging the entire rental cost to the card. Secondary coverage in the U.S.
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by sickness, severe weather or other covered situations.
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from date of purchase.
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Earn $50 cash back for each friend who gets any participating Chase Freedom credit card, up to $500 cash back per year.
Cash Back rewards do not expire as long as the account is open, with no minimum to redeem for cash back.
Authorized users on the Freedom Unlimited
Card factsAuthorized users are free.
Each authorized user gets
- Auto rental coverage
- DashPass complimentary membership
- Extended warranty protection
- Purchase protection
- Trip cancellation and interruption insurance
Shared across the account
- DashPass quarterly credit
News on this card
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