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Chase Freedom: Unlimited Cash Back

Earn 5% on travel, 3% on dining and drugstores, 1.5% everywhere else—no categories or caps to manage.

The Chase Freedom Unlimited Credit Card offers a simple, effective way to earn rewards without jumping through hoops. With no annual fee and strong cash back rates across key spending categories, it’s a card that delivers consistent value. Whether you’re booking travel, ordering dinner, or shopping online, your everyday purchases earn more—automatically.

Combined with access to the Ultimate Rewards platform, it’s one of the most strategic cards for users who want to earn more without overthinking every purchase.

  • 5% Cash Back on Travel purchased through Chase Travel℠—perfect for booking flights, hotels, or rental cars.
  • 3% Cash Back on Dining including restaurants, takeout, and eligible delivery services.
  • 3% Cash Back on Drugstore Purchases—an everyday category many users forget earns bonus rewards.
  • 1.5% Unlimited Cash Back on all other purchases with no caps, no expiration, and no categories to activate.
  • $0 Annual Fee: There’s no cost to keep the card long-term.
  • Intro Offer: 0% APR on purchases and balance transfers for 15 months—great for financing a big buy or consolidating debt.
  • Welcome Bonus: Earn a $200 bonus after you spend $500 in the first 3 months.
  • Mobile & Purchase Protection: Pay your cell phone bill with the card to activate protection for theft or damage. Also includes extended warranty and purchase protection.

Chase Freedom’s rewards are easy to redeem, easy to understand, and can be even more powerful when paired with other Chase cards.

  • Everyday Spenders: Earn more on groceries, prescriptions, dining out, and travel.
  • Frequent Travelers: Book through Chase Travel and get 5% back without blackout dates or restrictions.
  • Online Shoppers: The 1.5% base rate ensures you earn on everything from Amazon to utility bills.
  • Busy Professionals: No activation, no rotating categories—just automatic rewards every time you swipe or tap.

Chase Freedom Unlimited is designed for people who want maximum rewards with minimum effort.

FeatureChase Freedom UnlimitedWells Fargo Active Cash
Travel Cash Back5% via Chase Travel2% flat rate
Dining Cash Back3%2%
Drugstores3%2%
All Other Purchases1.5%2%
Annual Fee$0$0
Redemption OptionsUltimate RewardsStatement credit or cash

Wells Fargo offers a flat 2% rate, but Chase Freedom gives higher returns in major categories, especially travel and dining.

Absolutely. For a no-fee credit card, it’s rare to find such strong category bonuses—especially with no rotating structures or spending caps. You earn rewards passively, whether you’re dining out or grabbing essentials at your local pharmacy.

And with Chase Ultimate Rewards, you can redeem points for travel, gift cards, statement credits, or even transfer to travel partners if you upgrade to Chase Sapphire. It’s a starter card with premium flexibility.

If you’re looking for a high-earning, low-maintenance card that rewards your everyday lifestyle, Chase Freedom Unlimited is one of the best in class.

👉 Want to see how to qualify, apply, and unlock even more value from your cash back? Turn to the next page for a full guide.

A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.