Best For
Rewards Rate - Cashback
- 5% Travel via Chase Travel℠
- 3% Dining & drugstores
- 1.5% All other purchases
$150 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months.
- Annual fee
- $0
- Regular APR
- 18.99 – 28.99 Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Highlights
- Simple elevated earn on travel through Chase Travel℠ and on dining and drugstores.
- Unlimited base‑rate rewards on other purchases with no categories to track.
- Combine points with a Sapphire card for access to transfer partners and higher redemption value.
Who is this card good for?
- People who want one card that earns well without quarterly categories.
- Travelers who will occasionally use Chase Travel for bookings.
- Users building a Chase Ultimate Rewards® ecosystem.
Pointalize Opinion
Pros
- Low‑maintenance earning structure with good category coverage.
- Portal travel earning keeps returns competitive.
- $0 annual fee.
Cons
- Base earn is lower than some flat‑rate cash‑back cards.
- Best travel value typically requires pairing with Sapphire.
Pointalize Final Thoughts
Freedom Unlimited is a great set‑and‑forget earner that complements category cards and becomes especially powerful when paired with Sapphire.