The Chase Freedom Unlimited® is one of the best no-annual fee credit cards on the market due to it earning a high return across Chase Travel, dining, and drugstore spending while still offering a base of 1.5% cash back on all other categories. It's a great all-in-one card if you're new to earning rewards or if you want to focus your spend on one credit card. The Chase Freedom Unlimited also pairs well with the Ultimate Rewards credit cards as you'll be able to redeemable rewards at greater value.
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Rewards Rate Details
The Chase Freedom Unlimited Card features four categories that earn bonus cash back with Chase. Those categories are Chase Travel, dining, and drugstore. There's no limit to the amount of bonus cash back you can earn spending in these categories and no limit to the amount of cash back you can earn with the card overall.
As part of the Chase-Lyft partnership lasting until early 2022, the Chase Freedom Unlimited also earns bonus cash back on Lyft spending.
- 5% Chase Travel
- Travel must be purchased through the Chase Ultimate Rewards Portal.
- 5% Lyft
- This category is part of the Chase-Lyft partnership. This category ends March 2022. Unknown if it will be extended beyond that.
- 3% Dining
- 3% Drugstore
- 1.5% Non-Category
Perks & Benefits
The Chase Freedom Unlimited offers DoorDash benefits along with your standard Chase credit card benefits which includes great travel protection.
- DoorDash Benefits
- 3 months of DashPass membership; 50% off DashPass after membership expires (auto enrolled).
- Travel & Purchase Coverage
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
Is the Chase Freedom Unlimited a good credit card?
Yes. It's one of the best no annual fee credit cards on the market thanks to it's high earning rate across several categories and 1.5% back on all other purchases.
Is the Chase Freedom Unlimited good for travel?
Yes. The card earns a very rewarding 5% cash back on travel purchases made through the Chase Travel portal. On top of that, it offers 3% back on dining purchases which a popular category when traveling.
How does Chase Freedom Unlimited Points work?
Cash back earned with the Chase Freedom Unlimited is recorded as Ultimate Rewards Points with each point being worth 1 cent each when redeemed for cash.
How much are Chase Freedom Unlimited points worth?
If you only hold any of Chase's personal or business cash back credit cards, points will be worth 1 cent each. As a holder of the Chase Sapphire Preferred or Ink Business Preferred, points are worth up to 1.25 cents and as a holder of the Chase Sapphire Reserve, points are worth up to 1.5 cents each.