Chase Freedom Unlimited
Chase · Cashback review
Readers who want a single, no-fee cashback card that earns at least 1
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.24% – 27.74% variable
Variable — verify the current range at the issuer
Intro APR
0% for 15 months
Then the ongoing APR applies
As of July 15, 2026
Best for
Readers who want a single, no-fee cashback card that earns at least 1.5% on everything and stacks with other Chase Ultimate Rewards cards.
Not for
Travelers chasing transfer-partner value (Sapphire Preferred or Reserve is the right partner card) and readers carrying a balance (the standalone APR makes any cashback gain a net loss).
The catch
The 5% drugstore and 3% dining/grocery-delivery rates are real, but the headline 1.5% everywhere only becomes high-leverage if you also hold a Sapphire — solo, you're leaving ~30% transfer-partner uplift on the table.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% for 15 months
- Ongoing APR
- 18.24% – 27.74% variable
- Foreign transaction fee
- 3%
- Balance transfer fee
- $5 or 3% (5% after intro period)
- Late payment fee
- Up to $40
- Schumer Box sourced
- July 15, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Chase Freedom Unlimited's offer changes.
We track Chase Freedom Unlimited's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Chase Freedom Unlimited charge an annual fee?
No. The Chase Freedom Unlimited carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 15, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Chase Freedom Unlimited charge?
18.24% – 27.74% variable. There is also an intro rate: 0% for 15 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Chase Freedom Unlimited charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Chase Freedom Unlimited best for?
Readers who want a single, no-fee cashback card that earns at least 1.5% on everything and stacks with other Chase Ultimate Rewards cards.
Who should skip the Chase Freedom Unlimited?
Travelers chasing transfer-partner value (Sapphire Preferred or Reserve is the right partner card) and readers carrying a balance (the standalone APR makes any cashback gain a net loss).
How did ClearValue score the Chase Freedom Unlimited?
Chase Freedom Unlimited scored 86/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Chase Freedom Unlimited
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
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- Capital OneSolid pick
Capital One Quicksilver Secured
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- CitiSolid pick
Citi Double Cash
89/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 18 moBest forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
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