Advertiser Disclosure
CardJolt is a free, independent information site operated by GRID HOLDING, LLC. To keep our content free, we may earn commissions from partners when you click a link or are approved for a product featured here. That compensation can influence where and how products appear, but not our editorial analysis. When you click through, you leave our site and the issuer's own terms and privacy policy apply.
Read moreChase Freedom Unlimited® review (2026): extra cash back where you eat
Our look at Freedom Unlimited's bonus categories, its $200 welcome offer and 15-month 0% period, plus how it measures up against two rival cash back cards.
CardJolt is independent. We may earn a commission when you apply through our links, but it doesn't change our analysis. Rates and terms come from the issuer and can change.
The short answer
Rates and fees
- Regular APR: 18.24% to 27.74% variable, depending on your credit
- 0% intro APR for 15 months on purchases and balance transfers
- A balance transfer fee applies; check Chase's pricing and terms
- No annual fee
- Official Chase terms and conditions
Perks and protections
- Purchase protection: 120 days, up to $500 per claim
- Extended warranty adds one year to eligible warranties
- Trip cancellation and interruption coverage
- Complimentary DashPass for 6 months when activated by Dec 31, 2027
Pros and cons
Pros
3% back at restaurants and drugstores
5% on travel booked through Chase Travel
$200 welcome bonus
15 months at 0% intro APR
Cons
Just 1.5% on non-bonus spending
5% travel rate requires booking through Chase
Balance transfers aren't free
Our full take
Freedom Unlimited earns 1.5% on all purchases, 3% on dining (including takeout and eligible delivery) and at drugstores, and 5% on travel booked through Chase Travel. There's no minimum to redeem.
New cardmembers can get $200 after $500 in purchases within 3 months, as long as they haven't earned this card's bonus in the past 24 months. There's 0% intro APR for 15 months on purchases and balance transfers.
» RELATED: Go to the official Chase site
Quick facts
Network: Visa
Earn rate: 1.5% to 5% cash back
Bonus: $200 after $500 in 3 months
Intro APR: 0% for 15 months
Annual fee: $0
How it stacks up
Chase Freedom Unlimited®
Wells Fargo Active Cash® Card
Discover it® Cash BackRates and terms taken from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is it the right card for you?
Freedom Unlimited is a good call if you eat out often or want the largest bonus among these five cards.
If most of your spending falls outside dining and drugstores, a 2% flat card usually wins.
Not a big restaurant spender? Wells Fargo Active Cash earns a flat 2% on everything you buy.
Apply online