Chase · Visa · Personal
Chase Freedom Unlimited
A no-annual-fee card earning Ultimate Rewards: 5× on 5 categories, 1.5× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $200Cash bonus
- Top rate
- 5×5 categories
- Point value
- 1.85¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $200 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
Bonus terms: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Earning structure
8 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 5× | $9.25 | |
| Car Rentals (Portal) | 5× | $9.25 | |
| Cruises (Portal) | 5× | $9.25 | |
| Hotels (Portal) | 5× | $9.25 | |
| Travel (Portal) | 5× | $9.25 | |
| Dining | 3× | $5.55 | |
| Drug Stores | 3× | $5.55 | |
| All Other | 1.5× | $2.77 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa
- Bank
- Chase
- Point system
- Ultimate Rewards
- Travel value (our estimate)*
- 1.85¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- Yes
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- 24 from Bonus
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Benefits6 · 0 high value
- Car Rental Insurance Secondary Auto Rental Collision Damage Waiver
- Credits & Discounts $40 DoorDash Credit + 1 more credits & discounts benefit
- Travel Protections Extended Warranty Protection + 2 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Chase Freedom Unlimited |  Chase Freedom Flex |  Chase Sapphire Preferred |  Bank of America Travel Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $95+$95 | $0Same |
| Signup bonus | $200 | $200 | 75,000 pts | 25,000 pts |
| Top rate | 5×5 categories | 5×6 categories | 5×7 categories | 3×3 categories |
| Travel value * | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1.85¢Ultimate Rewards | 1¢Travel Rewards |
| Why it’s here | This card | Same issuer and the same Ultimate Rewards points | Same issuer and the same Ultimate Rewards points | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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