Chase Freedom Unlimited

Annual fee

Welcome bonus

$200

Foreign txn fee

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Good to know before you apply

The $200 welcome bonus after $500 in 3 months is one of the lowest hurdles in the no-annual-fee space - $500 across 3 months is roughly "exist and buy groceries," so this is less a spend challenge and more a "just apply and breathe" situation.
The 1.5x base rate is the floor, not the ceiling - 5x on Chase Travel, 3x on dining, and 3x at drugstores are all permanent, uncapped, and require zero activation, which is the thing that quietly makes this card more interesting than a flat-rate card dressed in a 1.5x costume.
NO foreign transaction fee waiver - there's a 3% FX fee on international purchases, so this card stays home when you leave the country, and pairing it with a no-FX card for travel is the obvious move as your Chase stack grows.
The Lyft 2x perk runs through September 30, 2027 - it's structured as 0.5% on top of the base 1.5%, so it's not quite the headline-grabbing multiplier it sounds like, but it's real and it's automatic if you're already using the app.
The trip cancellation and interruption insurance ($1,500 per covered traveler, $6,000 per trip) is easy to overlook on a $0 annual fee card - most people assume protection at this tier is decorative, and this one is actually worth knowing about before you book non-refundable travel.
The DashPass perk requires activation before December 31, 2027, and auto-renews at the going monthly rate after the 6-month complimentary window closes - the $10/quarter DoorDash credit for non-restaurant orders applies automatically to DashPass members - but you do have to activate the complimentary DashPass itself, so set a reminder before the free window closes.

The Chase Freedom Unlimited is the no-annual-fee overachiever of the cash-back world — earn 5% on Chase Travel, 3% on dining and drugstores, and a flat 1.5% on everything else, all without paying a cent in annual fees. Toss in a $200 welcome bonus after just $500 in spend plus a solid suite of travel protections, and this card is an easy first wallet slot for anyone building their points game.

Welcome bonus

What you get for signing up and hitting the minimum spend.

$200 · $500 spend in 3mo

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$200 after spending $500 in the first 3 months.

Earn rates

How many points per dollar across categories.

5 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: Chase Ultimate Rewards.

Category	Rate	Notes
Travel (through portal)	5x	5% on travel purchased through Chase Travel℠
Dining	3x	Includes takeout and eligible delivery services
Drug stores	3x
Lyft	2x	2% total (0.5% additional on top of base 1.5%). Through 09/30/2027.
All other purchases	1.5x

Unlock transfers

Pair this card with a travel card in the Chase Ultimate Rewards family to unlock transfers to airline + hotel partners.

Pair with a travel card to unlock partners

See your unlock cards →

💡 Pair with another travel card to unlock transfer partners. Points earned on this card become transferable to airline + hotel partners when you combine them into one of these Chase Ultimate Rewards travel cards:

You can combine across your own personal + business cards from the same issuer (Chase allows household-member pooling too with a one-time setup; Citi keeps it to your own cards only). Check your issuer's rules for details.

Without one of the travel cards above, points on this card redeem at fixed cash-back / portal value only.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

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Chase Experiences

Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Statement credits

Bill credits and recurring perks that offset annual fees.

1 benefit

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DashPass Quarterly Non-Restaurant DoorDash Credit

DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

2 benefits

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Trip Cancellation and Interruption Insurance

Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by sickness, severe weather, or other covered situations.

Auto Rental Coverage

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

2 benefits

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Purchase Protection

Covers eligible new purchases for 120 days from date of purchase against damage or theft, up to $500 per item. NY residents: 90-day coverage period.

Extended Warranty Protection

Extends manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less, up to four years from date of purchase.

Other

Other perks on this card.

6 benefits

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Travel and Emergency Assistance

Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home. Cardholder is responsible for cost of goods or services obtained.

DashPass Complimentary Access

6 months of complimentary DashPass membership for DoorDash and Caviar, unlocking $0 delivery fees and lower service fees on eligible orders. After 6 months, auto-enrolled at current monthly rate. Activate by Dec 31, 2027.

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card or account information.

Chase Offers

Targeted cash back offers via Chase Mobile app or chase.com. Activate an offer on a card, shop at the merchant, and receive a statement credit within 30 days.

Cash Back Rewards Do Not Expire

Cash Back rewards do not expire as long as your account is open. There is no minimum to redeem for cash back.

Redeem at Amazon with Points

Link your Chase Freedom Unlimited card to your Amazon.com account and instantly redeem Cash Back rewards to pay for all or part of eligible Amazon.com orders at checkout, including tax and shipping.