Chase Freedom Unlimited

A no-fee card that earns 1.5% on everything, more on dining and drugstores, and pairs well with Chase's travel cards.

Pour qui

This card suits you if you want a simple no-fee card with a few useful bonuses. You earn 1.5% on everything, 3% on dining and at drugstores, and 5% on travel booked through Chase Travel. It also offers 0% intro APR for 15 months on purchases and balance transfers. If you have or plan to get a Sapphire card, the rewards can be combined there for more travel value.

Qui devrait passer son tour

Skip it if you want the highest flat rate, since 2% cards beat 1.5% on everyday purchases. And if you won't pay off purchases before the intro period ends, the regular APR will apply. If you mostly want travel perks, a Sapphire card is the better fit, with this one as a partner.

Comment en tirer le meilleur parti

Use it for dining and drugstore purchases to earn 3%, and for everything else when you don't have a better card for that purchase. If you have a Sapphire Preferred or Reserve, move your rewards into that account to use them for travel. If you take advantage of the intro APR, divide the balance by 15 and pay at least that each month. Pay in full afterward.

Points forts

• No annual fee
• 1.5% on everything, 3% on dining and drugstores
• 5% on Chase Travel
• 0% intro APR for 15 months on purchases and balance transfers
• Pairs well with Sapphire cards

Points faibles

• 1.5% base rate is lower than 2% cards
• Regular APR after the intro period
• Best travel value needs a Sapphire card too

Questions fréquentes

Freedom Unlimited or Freedom Flex?

The Unlimited earns 1.5% on everything, so it's easier. The Flex earns 5% on rotating categories you activate each quarter, plus 3% on dining and drugstores, but only 1% on everything else.

Is the Freedom Unlimited good with the Sapphire Preferred?

Yes. Many people use the Freedom Unlimited for everyday spending and combine the rewards in their Sapphire account.

Does the Freedom Unlimited have an annual fee?

No.

Is the Freedom Unlimited good for a balance transfer?

It offers 0% intro APR for 15 months on balance transfers. Check Chase's page for the transfer fee.