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Chase Freedom Unlimited® review: A cash back card with mass appeal
Editors’ Take: With a mix of useful bonus categories and a solid rewards rate on all other purchases, Chase Freedom Unlimited® offers considerable potential value without requiring too much effort.
Great for maximizing cash back
Annual Fee: $0
The average credit score for members who have matched with this card or similar cards is 710
The average credit limit for members who have matched with this card or similar cards is $8,881
Explore more about this card:
Here’s the average credit limit of members who matched their Chase Freedom Unlimited® or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $8,881, with $1,000 being the most common.
Here’s the average credit score of members who matched their Chase Freedom Unlimited® or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 710, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Member stats
Updated daily
28%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
44 years
Average age of members who matched this card or similar cards.
$102,941
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Pros and cons
Image: yesGenerous sign-up bonus
Image: yesNo annual fee
Image: yesStrong bonus category offers
Image: ConBase earning rate isn’t as high as other flat-rate cards
Image: ConForeign transaction fee
Chase Freedom Unlimited® review
Updated June 10, 2026
This date may not reflect recent changes in individual terms.
Written by: Eric Freeman, Editorial Lead, Credit Cards
Editors’ Take: With a mix of useful bonus categories and a solid rewards rate on all other purchases, Chase Freedom Unlimited® offers considerable potential value without requiring too much effort.
Is the Chase Freedom Unlimited® worth it?
The Chase Freedom Unlimited® is a straightforward cash back card with a $0 annual fee that offers consistent rewards on everyday spending, which can appeal to a wide range of people.
Bonus rewards rates on categories such as travel and dining, plus a fixed 1.5% rate on other purchases, ensures a good return on value, making this card worth it for people who prefer clear rewards without too much effort.
Chase Freedom Unlimited® at a glance
- Annual fee: $0
- Sign-up bonus: $200 bonus after spending $500 on purchases in the first 3 months from account opening
- Standout benefit: 3% cash back on drugstore and dining purchases, including takeout and eligible delivery services
- Best rewards rate: 5% cash back on travel purchased through Chase Travel℠
- Baseline rewards rate: 1.5% cash back on all other purchases
Chase Freedom Unlimited® best benefits and features
Valuable sign-up bonus
New cardholders will earn a $200 bonus when they spend $500 on purchases in the first 3 months of account opening. For a card with no annual fee, that’s a decent value to help jump-start your rewards.
Bonus cash back categories
The Chase Freedom Unlimited® card rewards your purchases with cash back. With this card, you’ll earn rewards at the following rates:
- 5% back on travel purchased through Chase Travel℠
- 3% back on dining, including takeout and eligible delivery services
- 3% back on drugstore purchases
- 1.5% back on all other purchases
Good introductory APR offer for purchases and balance transfers
The Chase Freedom Unlimited® offers an intro 0% APR on purchases and balance transfers for the first 15 months after account opening. After that, the APR for purchases and balance transfers climbs to a variable 18.24% - 27.74%. Note that there’s a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. 5% (minimum $5) thereafter.
The intro offer on balance transfers can help you consolidate credit card debt, though there are cards with longer intro periods. And keep in mind that unpaid balances that remain after the expiration of the intro period will accrue interest. Those interest payments will eat into the value of any rewards you earn from your purchases.
No annual fee
Like many top cash back credit cards, the Chase Freedom Unlimited® comes with a $0 annual fee, which means you don’t have to worry about earning enough cash back to offset the cost of an annual fee.
What are the drawbacks of the Chase Freedom Unlimited®?
Base cash back rate is lower than some other cards
The Chase Freedom Unlimited® card offers elevated cash back rates for travel, dining and drugstores. But if you’re in the market for a card with the highest cash back rates and don’t often spend in these bonus categories, you might want to look into other cards that offer a higher cash back rate on all purchases.
Foreign transaction fee
The Chase Freedom Unlimited® carries a 3% foreign transaction fee. For heavy travelers or frequent international shoppers, a card with no foreign transaction fees may be a smarter financial move.
Other cards to consider
- Chase Freedom Flex®: The card offers more variety in cash back opportunities.
- Citi Double Cash® Card: The card is a good option if you’re looking for more straightforward earnings potential.
- Capital One Savor Cash Rewards Credit Card: This card provides ongoing value from both groceries and dining purchases.
Credit Karma’s methodology
At Credit Karma, our goal is to help you understand a card’s most important features — and where it may fall short compared to other options — so you can make an informed decision.
When we evaluate cash back cards, we consider the following factors:
- Welcome bonus
- Cash back rates in bonus categories
- Usefulness of bonus categories
- Spending caps on bonus categories
- Baseline cash back rate
- Rewards redemption options
- Rewards redemption restrictions
- Cash back expiration
- Annual fee
- Interest rates
- Unique benefits and perks
Looking at these aspects of the card helps us determine whether we’d recommend it to our members.
FAQs about the Chase Freedom Unlimited®
Most Credit Karma members who report having the Chase Freedom Unlimited® or similar cards have good or excellent credit scores. But keep in mind, your credit scores are just one of many factors card issuer Chase may look at when determining your eligibility.
Credit Karma members who report having the Chase Freedom Unlimited® or similar cards have varying credit limits, though the most common range is up to $3,000. Your credit limit will vary depending on your specific financial circumstances.
The Chase Freedom Unlimited® charges a 3% foreign transaction fee, which is a surcharge placed on your card bill when you make any purchase that must be processed through a foreign bank or is in a foreign currency.
Member reviews
Most helpful positive review
April 5, 2025
Just got approved
— Credit Karma Member
CK recommended this card for a balance transfer with very good odds of approval. Credit score in the 700s, was looking to transfer ~$10K and added this to my application. Was worried with others saying they weren't approved at all or not for enough to cover their transfer, but I was immediately approved for $22K limit.
Most helpful negative review
February 14, 2025
CK Misleading Information
— Credit Karma Member
I applied for this card. CK says I have "outstanding" chance. It's all lies. Freedom then tells you you'll get a letter. Really means you didn't get the card. I don't see why it becomes a hard inquiry if CK knows in advance. What's the point?