Chase Freedom Unlimited
1.5x on everything, and a points multiplier when paired with a Sapphire.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xChase Travel purchases
- 3xDining and drugstores
- 1.5xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Points pool into Sapphire/Ink accounts for transfer partner access
- ✦Purchase protection and extended warranty
- ✦0% intro APR window on purchases and balance transfers
Why it earns its spot
- +Core piece of the Chase Trifecta
- +No annual fee, simple earn
- +3x dining/drugstore is sneaky strong for a free card
Where it costs you
- −3% foreign transaction fee
- −1.5x base is below 2% flat-rate cards if used alone
The Compound Verdict
Alone it is a fine 1.5x card. Next to a Sapphire it becomes a 3¢+/dollar machine on dining and a catch-all that feeds transfer partners. Every Chase points strategy should include one.
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