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Skip to navigationSkip to main content':"";if(r){var a=n.promos.showYahooLogo?"":"yns-no-logo";r=r.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",a).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?U:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",r).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,r=void 0,a=void 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See our Advertiser Disclosure.Ben Walker (CEPF, CFEI®) · Senior Writer, Credit CardsUpdated Fri, April 17, 2026 at 10:27 PM GMT+2 7 min readThe Chase Freedom Unlimited® has everything you need in a beginner or everyday cash-back credit card, including a $0 annual fee, excellent intro APR offers, and an elevated 1.5% base earning rate.You can also turn the Freedom Unlimited into an everyday travel rewards earner by pairing it with one of Chase’s travel card options, such as the Chase Sapphire Preferred® Card.Annual fee$0Welcome offerEarn a $250 bonus after you spend $500 on purchases in the first 3 months from account openingIntroductory Purchases APR0% Intro APR on Purchases for 15 monthsOngoing Purchases APR18.24% - 27.74% VariableIntroductory Balance Transfer APR0% Intro APR on Balance Transfers for 15 monthsRewards rateEnjoy 5% cash back on travel purchased through Chase Travel℠3% cash back on drugstore purchases and dining at restaurants (includes takeout and eligible delivery service)1.5% on all other purchasesBenefitsNo minimum to redeem for cash back; use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the U.S.Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and moreGenerous intro APR on purchases and balance transfersIntro APR offer on purchases and balance transfers: You receive a generous introductory APR on purchases and balance transfers for the first 15 months from account opening. This means there's no interest rate on applicable purchases or balance transfers during the promotional period.Multiple redemption options: You can redeem your rewards for cash back, travel, gift cards, and online purchases with some merchants, such as Amazon.Instant access: If approved for the Freedom Unlimited, you can use it the same day by adding it to a digital wallet, including Apple Pay, Google Pay, and Samsung Pay.Travel insurance: The Freedom Unlimited’s travel coverage includes trip cancellation and interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.Purchase protection: Cardholders can take advantage of purchase and extended warranty protection benefits on eligible purchases.Fraud monitoring: Chase monitors your card activity 24/7 and can alert you of any unauthorized charges.Credit Journey: Credit Journey gives you access to a free credit score and credit monitoring.Combine rewards: You can combine Chase points between eligible Chase credit cards, making it easier to rack up rewards.5% cash back on travel purchased through Chase Travel3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services1.5% cash back on all other eligible purchases.Earn $50 cash back for each friend who applies through your referral link and is approved for any participating Chase Freedom credit card. You can earn up to $500 cash back per year from referrals.Cash back: Redeem rewards for a statement credit or a direct deposit into eligible U.S. checking and savings accounts. There’s no minimum amount to redeem for cash back.Travel: Book flights, hotel stays, and more through the Chase Travel portal.Amazon: Link your Freedom Unlimited card to your Amazon.com account and redeem cash-back rewards to pay for part or all of eligible Amazon purchases at checkout.Gift cards: Use rewards to receive gift cards from various retailers.Combine points: You can combine points with other eligible Chase credit cards that earn Ultimate Rewards.Tip: Moving your Chase Freedom Unlimited rewards to a Chase Sapphire Preferred, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card* gives you access to additional Chase Travel redemption bonuses (up to 2x depending on the card) and the option to transfer points to travel partners, such as United MileagePlus and World of Hyatt.*All information about the Ink Business Preferred Credit Card has been collected independently by and is no longer available through Yahoo Finance.See also: Best travel credit cards for 2025We recommend the Chase Freedom Unlimited for rewards credit card beginners, Chase Ultimate Rewards enthusiasts, and anyone who wants a low-maintenance cash-back card for everyday spending.The Freedom Unlimited is an excellent product on its own, providing elevated rewards and ample purchase protection perks without an annual fee. However, you can get even more value by using it with one or more other Chase cards that earn Ultimate Rewards points.Using multiple rewards cards simultaneously lets you take advantage of different bonus categories. For example, one card might have a high cash-back rate for travel, while the other has a high rate for dining or gas stations. Using both cards together helps maximize your earning potential on all your eligible purchases rather than only those in select categories.Straightforward earning rate with useful bonus categoriesIntro APR offers on purchases and balance transfersFlexible rewards programNo annual feeBase earning rate isn’t as good as some flat-rate rewards cards or cards that earn 5% cash back in certain categoriesTypically requires good or excellent creditHas foreign transaction feesThe Chase Freedom Unlimited is a Visa credit card (Chase is the credit card issuer), so it’s accepted in over 200 countries and territories worldwide. However, the Freedom Unlimited charges 3% foreign transaction fees, so it’s not the best card for international travel.Here are the primary ways you can make a Chase credit card payment:Online: Log into your online account on Chase.com or through the Chase Mobile app. You can make manual payments or set up automatic payments.Phone: To pay over the phone, call the number on the back of your card or 1-800-436-7958.Mail: For mail payments, send to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294. Send overnight payments to Chase Card Services, 201 N. Walnut Street, De1-0153, Wilmington, DE 19801.Western Union: Send Western Union payments using the Code City WALNUT.In-branch: You can make payments at Chase ATMs and branch locations if any are in your area.Here are the different ways you can contact Chase customer service:Phone: Call the number on the back of your card or 1-800-432-3117.Secure message: You can send secure messages to Chase through your online account by logging in via a web browser or the Chase Mobile app.Social media: Message Chase on Facebook, Instagram, or X.In-branch: Speak with a customer service representative or meet with a banker at a Chase branch.If the Chase Freedom Unlimited Card isn’t the right fit for you, consider these alternative cash-back credit cards:Annual fee$0 intro annual fee for the first year, then $95.Welcome offerEarn as high as $300 cash back after spending $3,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)Introductory Purchases APR0% on purchases for 12 monthsOngoing Purchases APR19.49%-28.49% VariableIntroductory Balance Transfer APR0% on balance transfers for 12 monthsOngoing Balance Transfer APR19.49%-28.49% VariableRewards rate6% cash back at U.S. supermarkets (on up to $6,000 in eligible purchases annually, then earn 1%)6% cash back on select U.S. streaming subscriptions3% cash back on at eligible U.S. gas stations and on transit, including taxis/rideshare, parking, tolls, trains, buses, and more1% cash back on all other purchases*Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkoutBenefitsGenerous intro APR on purchases and balance transfersGet up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites (subject to auto-renewal)Split purchases of $100 or more into equal monthly installments with a fixed fee — select the purchase in your online account or the American Express® App to see your plan optionsWhy we like it: The Amex Blue Cash Preferred has a $0 intro annual fee for the first year, then $95 (see rates and fees, terms apply). Despite the annual cost, this is one of our favorite cash-back cards for everyday spending because of its high rewards rate. Few rewards cards reach a 5% return, but the Amex Blue Cash Preferred goes beyond that, providing an excellent opportunity to boost your earning potential on purchases you already make.Read our full Amex Blue Cash Preferred Card reviewAnnual fee$0Welcome offerEarn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account openingIntroductory APR0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% - 28.49% APRPurchase APR18.49% - 28.49% variableRewards rate8% cash back on Capital One Entertainment purchases5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)1% cash back on all other purchasesBenefitsGenerous intro APR on purchases and balance transfers for the first 12 monthsNo foreign transaction feesWhy we like it: The Capital One Savor Cash Rewards has a $0 annual fee and no foreign transaction fees (which is uncommon for cash-back cards). It’s also a powerhouse for earning cash back in everyday categories, including dining, entertainment, and groceries. If these are common spending categories for you, the Savor Cash Rewards deserves your consideration.Read our full Capital One Savor Cash Rewards Credit Card reviewAnnual fee$0Welcome offerEarn $200 cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back)Introductory APR0% intro APR on balance transfers for the first 18 months (variable APR applies after that)Purchase APRSee issuer site for current APRRewards rate5% cash back on hotel, car rentals, and attractions booked on the Citi Travel℠2% cash back on every purchase with unlimited 1% cash back when you buyEarn an additional 1% as you pay for your purchases (to earn cash back, pay at least the minimum due on time)BenefitsGenerous intro APR on balance transfersWhy we like it: The Citi Double Cash is an easy card to hang onto, especially if you want the simplicity of using one card for everything. There are no bonus categories to track and no special enrollment requirements. You earn up to 2% cash back on every eligible purchase, simple as that.Read our full Citi Double Cash Card reviewYou typically need a good or excellent credit score to qualify for the Chase Freedom Unlimited. If you’re working on improving your credit, consider a secured credit card or a credit-building card.Yes, the Chase Freedom Unlimited is an excellent credit card, especially if you prefer a simple no-annual-fee rewards card for everyday spending. It can help you build your relationship with Chase and provide access to high-quality card benefits, such as purchase protection, extended warranty coverage, and 0% introductory APR offers on purchases and balance transfers.It isn’t the best card for international travel because it charges foreign transaction fees.The main disadvantages of Chase Freedom Unlimited are its 3% foreign transaction fee and an average 1.5% base cash-back rate. Because of the foreign transaction charges, it’s not a great card for international travel. However, it’s an easy card to use, and you can combine your rewards with other eligible Chase credit cards to get more value.There’s no official highest credit limit on the Chase Freedom Unlimited, as it depends on your creditworthiness and other factors Chase considers during the application process. The minimum credit limit for this card is typically $500, though you could get a much higher limit.Yes, the Chase Freedom Unlimited charges foreign transaction fees. This makes it a poor choice for international travelers, though it’s great for earning rewards on everyday spending. If you frequently travel to other countries, consider a credit card with no foreign transaction fees.This article was edited by Rebecca McCrackenEditorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. 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