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Chase Freedom Unlimited review
Best for: Cash-back beginners who want simple rewards plus a long 0% intro APR.
The no-fee workhorse: a flat 1.5% on everything, boosted dining and travel rates, and a 15-month 0% intro APR — plus its points can be paired with a Sapphire card to unlock full travel-transfer power.
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Annual fee
$0
Rewards
5% on travel via Chase Travel; 3% on dining and drugstores; 1.5% on everything else
Intro APR
0% for 15 months (purchases and balance transfers)
Regular APR
18.24%–27.74% variable
Welcome offer
$200 bonus after $500 spend in 3 months
Foreign transaction fee
3%
Standout features
- 0% intro APR for 15 months on both purchases and balance transfers.
- Points can be combined with a Sapphire card's balance to unlock 1:1 transfers to Chase travel partners.
- Motley Fool Money's 2026 Best Cash Back Card pick.
Honest drawbacks
- 3% foreign transaction fee — a poor choice for international travel.
- Flat 1.5% base rate lags some competitors' 2% flat cards.
- The 5% travel rate requires booking through the Chase Travel portal.
Visit Chase Freedom Unlimited →
Link goes directly to Chase Freedom Unlimited's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Chase Freedom Unlimited (official) (checked Sep 2026)
- Motley Fool: best Chase cards, Sep 2026 (checked Sep 2026)
- Motley Fool: Freedom Unlimited review (checked Sep 2026)
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