All-rounder
CHASE
Chase Freedom Unlimited
Chase Freedom Unlimited layers strong bonus categories over a 1.5% base rate: 5% on Chase Travel, 3% on dining and drugstores, and a generous 15-month 0% intro APR — all with no annual fee.
Updated July 2026Best for: Everyday spenders who occasionally book travel through Chase.
Chase
Chase Freedom Unlimited
•••• •••• •••• 2026
Cashback callout
5%
Top cash back rate
Travel booked via Chase
$200
Bonus
$0
Annual fee
19.99–28.74% variable
APR
Welcome bonus: After spending $500 in first 3 months. Intro: 0% intro APR on purchases for 15 months.
Every category, every rate.
| Category | Rate | Notes |
|---|---|---|
| Chase Travel purchases | 5% | — |
| Dining (incl. delivery) | 3% | — |
| Drugstores | 3% | — |
| All other purchases | 1.5% | — |
Pros
- +5% back on travel booked via Chase
- +3% on dining and drugstores
- +Long 0% intro APR on purchases
Cons
- −1.5% base rate lower than a flat 2% card
- −Best travel value requires Chase portal
- −3% foreign transaction fee
The fine print.
- Annual fee: $0
- Purchase APR: 19.99%–28.74% variable
- Intro APR: 0% on purchases for 15 months
- Foreign transaction fee: 3%
Rates, fees and offer terms shown are illustrative and change frequently. Always confirm current terms on the issuer's site before applying.
A versatile no-annual-fee cash back card that plays even nicer if you hold a Chase Sapphire alongside it.