Chase Freedom Unlimited · Chase · Visa
$0/yr · Chase Ultimate Rewards
Credits
No statement credits on this card.
Highlights
- 1.5% on everything, no annual fee
- 3% dining & drugstores
- 5% travel booked via Chase Travel
- 2% on Lyft through 9/30/2027
- Points pool into Sapphire for transfer partners
- 0% intro APR for 15 months; $200 bonus after $500
No changes to earn structure in 2025-2026; the same 5%/3%/3%/1.5% structure has been in place since the Sept 15, 2020 Freedom refresh. Foreign transaction fee is 3% and is NOT being removed — the 2026-09-20 fee removal applies only to the Freedom Flex (Doctor of Credit, 2026-07-15). Lyft 2% total runs through 2027-09-30; DashPass offers through 2027-12-31. Rewards post as Chase Ultimate Rewards points; 1 point = 1 cent for cash back/statement credit (no minimum to redeem, never expire while the account is open); Amazon Shop with Points redeems at only 0.8 cents/point. Subject to Chase's 5/24 application rule. Issued as Visa Signature or Visa Platinum depending on credit profile (WalletHub). Classic pairing: hold with a Freedom Flex (5% rotating) and a Sapphire (transfers) — this card covers the 1.5% catch-all.