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
20.49% – 29.24% variable
Variable — verify the current range at the issuer
Intro APR
0% for 15 months
Then the ongoing APR applies
As of June 29, 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
- 20.49% – 29.24% variable
- Foreign transaction fee
- 3%
- Balance transfer fee
- $5 or 3% (5% after intro period)
- Late payment fee
- Up to $40
- Schumer Box verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 June 29, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Chase Freedom Unlimited charge?
20.49% – 29.24% 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 whether an honest weakness is 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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90/100Annual fee$0Ongoing APR28.24%Intro APR10.99% on balance transfers for 6 monthsBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR29.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One SavorOne Cash Rewards
89/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and
Fees sourced from issuer terms · 2026-07-08
