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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Chase Freedom Unlimited Card card art
Freedom Unlimited 1 of 1
Comparing 1 card
Chase Freedom Unlimited Card card art
Chase
Freedom Unlimited
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
$40
Fee after credits
$40 back credits beat the fee
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
3%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus No current offer
Bonus
No current offer
Estimated value
Not listed
Spend to earn it less a month is easier
No current offer
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3% back
Flights
1.5% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Hotels
1.5% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Travel (ground only)
1.5% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Drugstores
3% back
Everything else
1.5% back
Statement credits $40 a year
Dining and delivery
  • $40 a year $10 every 3 months
    What counts

    DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.

Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • Provides legal and medical referrals and access to travel and emergency assistance services while traveling away from home.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • 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.
Extended warranty
  • 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.
Purchase protection
  • Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Other coverage
  • 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 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.
Lifestyle and other perks 3 perks
Lifestyle and entertainment
  • 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.
Other perks
  • 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 Free
Cost
Authorized users are free.
Each one gets
  • Auto rental coverage
  • DashPass complimentary membership
  • Extended warranty protection
  • Purchase protection
  • Trip cancellation and interruption insurance
Application rules 5/24
Issuer approval rules
  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
Card type
Personal