#9 overall · Cashback card
Chase Freedom Unlimited®
Chase · Visa · Good credit required
Free
Annual fee
$200
Welcome bonus
$720
First-year value
$520
Ongoing/yr
Rewards rates
🛒
Groceries
$5700/yr avg spend
3x
+$171/yr
🍕
Dining & Takeout
$3000/yr avg spend
3x
+$90/yr
✈️
Travel & Hotels
$2040/yr avg spend
5x
+$102/yr
⛽
Gas & EV Charging
$2100/yr avg spend
1.5x
+$32/yr
📺
Streaming
$540/yr avg spend
1.5x
+$8/yr
🛍️
Everything Else
$7800/yr avg spend
1.5x
+$117/yr
Based on average US spending. Use your own spending →
✓ Pros
- ✓ 3% on dining & drugstores
- ✓ 5% on travel via Chase portal
- ✓ 1.5% on everything else
- ✓ No annual fee
✗ Cons
- No major drawbacks for most users.
Is the Chase Freedom Unlimited® worth it?
Yes — there's no cost to hold it. Even if you only use it occasionally for travel, you're ahead. It makes an excellent secondary card. The $200 welcome bonus (if you hit the spend requirement of $500 in 3 months) makes year one worth $720 total.
Verdict: Strong value — earns well above its fee on typical spending.
Ready to apply?
Current offer: $200 welcome bonus after $500 spend in 3 months
Apply for Chase Freedom Unlimited® →You'll be directed to Chase's official application