Chase Freedom Unlimited

Flexible cash back card with strong bonus categories and Chase ecosystem benefits.

Cash Back

travel

You'll be redirected to the issuer's website. This may be a referral link: if you're approved, Card Shark's owner may get a referral bonus. Learn more

Updated February 14, 2026

Key Details

Annual Fee

APR

Always pay your balance in full each month to avoid interest charges. Use credit responsibly.

20.49% - 27.74%

Intro: 0.00% for 15 months

Welcome Bonus

20,000 points

Spend $500 in first 3 months

Credit Needed

good

640+ credit score

Rewards Structure

Dining3x

Includes restaurants, takeout, eligible delivery services

Drugstores3x

Everyday Purchases1.5x

Earn Chase Ultimate Rewards points, which can be redeemed for cash back

Travel Portal5x

When booked through the Chase travel portal

Track This Card

Add to your wallet to monitor benefits and track value

Premium feature • $9.99/month

Compare This Card

See how this stacks up against other cards

Transfer Partners

airlines

Transfer ratios indicate the conversion rate when moving points to partners. A 1:1 ratio means you get 1 airline mile for every 1 credit card point transferred.

Aer Lingus AerClub1:1

Air Canada Aeroplan1:1

Air France / KLM - Flying Blue1:1

British Airways Club1:1

Iberia Plus1:1

JetBlue TrueBlue1:1

Singapore Airlines KrisFlyer1:1

Southwest Airlines Rapid Rewards1:1

United Airlines MileagePlus1:1

Virgin Atlantic Flying Club1:1

hotels

IHG One Rewards1:1

Marriott Bonvoy1:1

World of Hyatt1:1