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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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.