For spending spread across many merchants and readers who prefer fewer categories to manage.
Referral disclosure · This product links to its official information page, separately from our Tesla and personal Sapphire referrals. Read the full disclosure
Key earning benefits
| Purchase type | Earning terms |
|---|---|
| Other purchases | 1.5% cash back |
| Dining and drugstores | 3% on eligible purchases |
| Chase Travel | 5% on eligible travel |
This is a summary. Merchant categories, eligible purchases and exclusions affect rewards. For full benefits and final terms, see Chase official product information.
Conditions to check before applying
Interest and other fees can apply despite no annual fee. Bonus rates have merchant and booking restrictions. Partner transfers require separate card and account eligibility.
Welcome offers vary by application channel and date. Check eligibility, required spending, deadline, APR and fees on the application screen. Spending more or earlier than planned can reduce the actual value of a bonus.
Apply it to your own spending
$1,000 of eligible base-rate purchases earns $15 at 1.5%. A 2% alternative would earn $20; include your dining and drugstore purchases in the comparison.
Frequently asked questions
Is there a credit score that guarantees approval?
No single score guarantees approval. The issuer considers credit history, income and other factors. Read Credit scores and preapproval.
Is a referral offer always better than a public offer?
Compare the conditions for each application channel, including spending requirements and bonus eligibility. Our referral offer guideexplains what to check.
Other cards to compare
Chase Freedom Flex · Annual fee $0
Rotating category cash back for readers comfortable with quarterly activation.
Chase Freedom Rise · Annual fee $0
An entry-level card for people building U.S. credit history.
Sources and update history
Official Chase Chase Freedom Unlimited product and offer terms ↗2026-09-10 · Original U.S. personal card profile. Based on official sources; calculations use stated assumptions. This is not a first-hand review or individualized financial advice.
Editorial and corrections policyFreedom Unlimited: review the current terms
Review benefits and application terms on the official product page below.
View official terms (opens in a new tab)Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.