Chase Freedom Unlimited
A Chase Visa card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $605 | $405 | $2,227 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $893 | $693 | $3,665 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,100 | $900 | $4,700 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Freedom Unlimited ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Freedom Unlimited |
|---|---|
| Issuer and network | Chase, Visa |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | 20,000 points after $500 in 3 months |
| Earning | 5% on travel purchased through Chase Travel · 3% on dining at restaurants (incl. takeout and eligible delivery) · 3% at drugstores · 2% total on Lyft rides/products in the Lyft app through 9/30/2027 · 1.5x on everything else |
| Rewards currency | Chase Ultimate Rewards points |
| Statement credits | $10 quarterly DoorDash promo on a non-restaurant order |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Earns Ultimate Rewards points ('cash back' at 1 cent each). Points transfer to airline/hotel partners only when combined into a Sapphire Reserve/Preferred or Ink Preferred account.
- Intro balance-transfer fee is $5 or 3% for transfers made within 60 days of account opening, then $5 or 5%. Variable APR is Prime + 11.49% to 20.99% (7.00% prime as of 9/22/2026).
- Freedom Unlimited still charges a 3% foreign transaction fee. Freedom Flex dropped its fee on 9/20-21/2026.
- Amazon Shop with Points values points at 0.8 cents.