【September 28, 2026 update】 $200 welcome offer plus $100 or $50 in third-party cash back:

  • Chase’s official bonus is 20,000 Ultimate Rewards points after $500 in purchases in the first three months
  • Apply through Rakuten for an extra $100 (new Chase customers) or $50 (existing Chase customers)

Sign up at Rakuten.com through the recommended signup link🔗 ($50 cash back after $50 in purchases within 90 days). After you register, search “Chase Freedom Unlimited Credit Card” on Rakuten.com to find the apply link.

Rakuten bonus for Chase Freedom Unlimited

Highlights

  • $0 annual fee, with an unlimited 1.5x base earn rate.
  • Earn 5% on travel booked through Chase Travel.
  • Earn 3% at restaurants, including takeout and eligible delivery services, and at drugstores.
  • Cash Back rewards do not expire while the account remains open, and there is no minimum for cash redemption.
Chase Freedom Unlimited Credit Card

Issuer: Chase
Payment network: Visa
Type: Credit card
Annual fee: $0 for the primary card
Foreign transaction fee: 3%

Rewards are earned as Chase Ultimate Rewards points, which are flexible and can be valuable to use.

Welcome Offer

【September 12, 2026 update】 $200 + 15 months of 0% introductory APR:

  • Earn 20,000 bonus points after spending $500 in the first three months.
  • Eligible purchases exclude balance transfers, cash advances, traveller’s cheques, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery and gambling transactions, cheques that access the account, interest, unauthorised or fraudulent transactions, and fees including the annual fee.

Apply through our referral link🔗

Eligibility: Current cardmembers, or previous cardmembers who received a new-cardmember bonus on this card in the past 24 months, are not eligible for this offer. Applicants must be at least 18 years old (19 in Alabama and Nebraska; 21 in Puerto Rico) and have a permanent home address in one of the 50 U.S. states, the District of Columbia, Guam, Puerto Rico, the U.S. Virgin Islands, or a U.S. military address.

Previous welcome offers

【April 2026 update】 $250

  • Spend $500 in the first three months.

【January 2025 update】 $300

  • Spend $500 in the first three months.

【October 2023 update】 $800

  • Spend $500 in the first three months.
  • Earn 5x on gas and grocery purchases in the first year, on up to $12,000 in spending, equal to up to an additional $600 in cash back.

Everyday Spending

5x: Travel purchased through Chase Travel. Chase states this is the total earn rate, including the 1.5% base rate and an additional 3.5%.

3x: Restaurant purchases, including takeout and eligible delivery services. Chase states this is the total earn rate, including the 1.5% base rate and an additional 1.5%.

3x: Drugstore purchases. Chase states this is the total earn rate, including the 1.5% base rate and an additional 1.5%.

1.5x: Other eligible purchases. Merchant categories are assigned by the merchant or its payment processor under Visa/Mastercard rules. A purchase that appears to fit a category will not earn a category bonus if its merchant category does not qualify. Transactions submitted through third-party payment accounts, mobile card readers, or digital wallets likewise do not qualify when they are not processed in the applicable category.

Benefits & Insurance

  • 0% introductory APR (15 months)

Purchases and balance transfers receive a 0% introductory APR for the first 15 months after account opening. Afterwards, the purchase and balance-transfer APR is 18.24%–27.74% and varies with the Prime Rate. Balance transfers carry a fee of $5 or 3%, whichever is greater, during the first 60 days after account opening; afterwards, it is $5 or 5%, whichever is greater.

  • Complimentary 6 months of DashPass

Activate for the first time between February 1, 2025 and December 31, 2027 to receive six complimentary months of DashPass for DoorDash and Caviar. It automatically renews at the then-current monthly price after the complimentary period unless you cancel. While enrolled, receive $10 off one eligible non-restaurant DoorDash order each calendar quarter; unused value does not roll over. This benefit is available only in the United States, and checkout must use the Chase Freedom Unlimited enrolled for the benefit.

  • 2% Cash Back Offer on Lyft Purchases

Earn 2% total on eligible products and services purchased through the Lyft app through September 30, 2027: the 1.5% base rate plus an additional 0.5%. Gift cards, car rentals, vehicle service centres, miscellaneous fees, and certain other Lyft products are excluded.

  • Roadside Assistance

This pay-per-use service is available in the United States and Canada, with no membership fee or advance enrolment. It includes standard towing up to five miles, tyre changes when you provide a usable spare, battery assistance or towing an EV to the nearest charging station, lockout help excluding replacement keys, delivery of up to five gallons of fuel excluding the cost of fuel, and standard winching within 100 feet of a paved road or highway. The standard service fee is disclosed before dispatch; charges apply for service beyond the benefit limits and in other circumstances.

Travel insurance

Official insurance certificate🔗

  • Auto Rental Coverage

Coverage applies when you charge the entire rental to this card and/or redeemable rewards, rent as the primary renter, and decline the rental agency’s CDW/LDW. It covers theft or collision worldwide up to $60,000, including substantiated loss of use, administrative fees, and reasonable towing; rentals may not exceed 31 consecutive days. In the United States, it is secondary when other auto insurance exists, but can cover that policy’s deductible; outside the United States, it is primary where available. Injury, third-party liability, personal property, diminution in value, high-value/exotic vehicles, and rentals over 31 days are excluded. Report theft or an accident as soon as possible and within 100 days, then submit documents within 365 days.

  • Trip Cancellation and Interruption Insurance

When all or part of a trip is charged to this card and/or redeemable rewards, the cardmember and eligible immediate family members are covered up to $1,500 per covered traveller and $6,000 per trip, no more than the amount actually paid with the card or rewards. It covers prepaid, non-refundable common-carrier expenses caused by a covered reason; trips may be no longer than 60 days, and coverage is secondary. Death, accidental injury or illness, severe weather, designated storm warnings, certain strikes, and military orders may qualify; a simple change of plans, pre-existing conditions, pandemic-related border closures or carrier changes, and travel booked for medical treatment do not. Report a cancellation or interruption within 20 days and submit documents within 90 days.

  • Travel and Emergency Assistance

While travelling away from home, you can receive 24/7 referrals or arrangements for medical, legal, emergency transportation, emergency messages, ticket replacement, luggage location, translation, prescriptions and important-document delivery, and pre-trip information. This is not insurance: the cardmember pays for medical, legal, transportation, cash-advance, goods, and other service costs.

Shopping insurance

  • Purchase Protection

For an eligible new item charged in whole or in part to this card and/or redeemable rewards, this covers theft, damage, or involuntary and accidental parting for 120 days from purchase (90 days for New York residents). The limit is $500 per item and $50,000 per account, and coverage is secondary. Report a loss within 90 days and submit documents within 120 days. Normal wear, unexplained disappearance, used merchandise, perishables or consumables, software, motor vehicles, and items for resale or business use are excluded.

  • Extended Warranty Protection

For an eligible item charged in whole or in part to this card and/or redeemable rewards, this adds one year to an original U.S. manufacturer repair warranty of three years or less. The original warranty, store warranty, separately purchased service contract, and this benefit together may not exceed four years. The limit is $10,000 per item and $50,000 per account; payment is the lower of repair, comparable replacement, or the amount actually charged to the card or rewards. Report a failure within 90 days and submit documents within 120 days. Motor vehicles, leased items, used items, software, medical equipment, and repairs outside the original manufacturer warranty are excluded.