CardPolo
US
Chase
Chase Freedom Unlimited
VISA
🇺🇸 United States · Chase

Chase Freedom Unlimited

No-fee everyday card; pairs perfectly with Sapphire Preferred

4.6 / 5
Joining fee
$0
Annual fee
$0
Top reward
5%
Min income
None stated
Apply at Chase← Back to all cards

External link to Chase’s own application page.

The Chase Freedom Unlimited has no annual fee. It earns 5% on travel and 1.5% on everything else. Forex markup is 3%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Chase Freedom Unlimited actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$522
Annual feeNo fee
Welcome bonus (year 1 only)+$200
Cumulative net value
+$2,810
over 5 years
Year 1
$722
+$722/yr
Year 2
$1,244
+$522/yr
Year 3
$1,766
+$522/yr
Year 4
$2,288
+$522/yr
Year 5
$2,810
+$522/yr
Year 1 (with bonus)
$722
Year 2+ (steady state)
$522/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Chase Freedom Unlimited earn?

What you earn back, by category.

travel
5%
📈
dining
3%
📈
Everything else
1.5%
📈
🎁
Welcome bonus

$200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K

What do you get with the Chase Freedom Unlimited?

  • 5% on travel via Chase Ultimate Rewards
  • 3% on dining (incl. takeout & delivery)
  • 3% on drugstore purchases
  • 1.5% on everything else
  • No annual fee
  • 0% intro APR for 15 months

Who qualifies for the Chase Freedom Unlimited?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
670+
Self-employed
Eligible

Chase Freedom Unlimited FAQ

›What is the Chase Freedom Unlimited annual fee?

The Chase Freedom Unlimited has no annual fee.

›What does the Chase Freedom Unlimited earn?

It earns 5% on travel and 1.5% on everything else.

›What is the Chase Freedom Unlimited forex markup?

The Chase Freedom Unlimited charges 3% forex markup on foreign-currency spends.

›What income do you need for the Chase Freedom Unlimited?

Chase publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the Chase Freedom Unlimited welcome bonus?

$200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K.

›Are these Chase Freedom Unlimited figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.

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