The Chase Freedom UnlimitedĀ® Credit Card (see rates and fees) is a top-notch cash back credit card because of its generous and simple rewards structure. With it, you earn a minimum of 1.5% cash back on all purchases, and you can double that return at drugstores and on dining, earning 3% cash back.
If that rewards structure appeals to you, right now is a great time to apply; the Freedom Unlimited’s easy-to-earn welcome bonus is worth 50% more for a limited time. Instead of earning a $200 welcome bonus, you can earn $300 after spending $500 in the first three months from account opening.
However, this offer is ending on Jan. 15, 2026, at 9 a.m. EST, so now is your last chance to get in on this deal.
The Chase Freedom UnlimitedĀ® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus.
- Valuable welcome bonus and high rewards rates
- Long intro APR for purchases and balance transfers
- No annual fee
- Has a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% – 27.99%.
- No annual fee ā You won’t have to pay an annual fee for all the great features that come with your Freedom UnlimitedĀ®Ā card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of eitherĀ $5Ā orĀ 3%Ā of the amount of each transfer, whichever is greater, in the first 60 days. After that, eitherĀ $5Ā orĀ 5%Ā of the amount of each transfer, whichever is greater.
Foreign transaction fee
3%Ā of each transaction in U.S. dollars
Last chance for the Freedom Unlimited’s $300 bonus
There’s a lot of value in the simplicity of the Chase Freedom Unlimited and its welcome bonus.
While this offer isn’t as large as the veryĀ best credit card sign-up bonuses, most of those cards have annual fees and much larger minimum spending requirements. Instead of paying $95 or more and needing to spend $4,000+ to earn a sign-up bonus, you only need to spend an average of roughly $167 a month for three months.
It’s also one of the best credit cards for dining out and spending at drugstores. The transactions you make with this card earn:
- 5% cash back at Chase Travelā
- 3% cash back at drugstores
- 3% cash back on dining at restaurantsĀ (including takeout and eligible delivery services)
- 1.5% cash back on all other purchases
Purchases you make with the card are automatically covered by a range of insurance perks, including trip cancellation and interruption insurance, car rental coverage, travel and emergency assistance, purchase protection and extended warranty protection. In the right scenario, these benefits could save you more than what you earn from the Freedom Unlimited’s welcome offer.
Boost your bonus with partner Chase cards
The Freedom Unlimited is a great card to consider if you have any of the following Chase credit cards:
Since the Freedom Unlimited earns cash back in the form of Chase Ultimate RewardsĀ® points ($1 = 100 points), you can move rewards balances from one Chase card to another. All of the above cards come with the ability to transfer Chase points to airline and hotel loyalty programs. That means you can convert the cash back you earn into transferable travel rewards.
This may not sound that significant, as you can already use rewards earned with the Freedom Unlimited to book travel through Chase Travelā or redeem them as a statement credit toward any purchase. For both redemptions, you’ll receive 1 cent per point in value.
But when you unlock the ability to convert rewards into airline miles or hotel points, you can dramatically increase that value. For example, a standard night at a Category 7 Hyatt hotel, such as the Hana-Maui Resort, costs 30,000 points. Paying cash for the exact same room type on the same date could easily cost $600 or more. In other words, being able to transfer your points could double the value you receive from the Freedom Unlimited’s welcome bonus.
The Chase Sapphire PreferredĀ® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.
- You can transfer rewards to all of Chase’s travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- $50 annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy beneļ¬ts such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
The Chase Sapphire ReserveĀ® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTMĀ Select membership, plus every Chase Sapphire LoungeĀ®Ā by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase’s travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSMĀ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTMĀ Select membership, plus every Chase Sapphire LoungeĀ®Ā by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheckĀ®Ā every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music ā all the music you love, across all your devices. Subscriptions run through 6/22/27 ā a value of $250 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
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