The Credit Ledger Card review
Chase Freedom Unlimited review
Chase · Visa
Best flat-rate everyday cash back with no annual fee
| Annual fee | No annual fee |
|---|---|
| Welcome bonus | $200 cash back after $500 spend in 3 months |
| Rewards rate | Up to 5% |
| Intro APR (purchases) | 0% intro APR for 15 months from account opening |
| Intro APR (balance transfers) | 0% intro APR for 15 months from account opening |
| Regular APR | 18.24% to 27.74% variable |
| Foreign transaction fee | 3% |
| Recommended credit | Good to Excellent (690-850) |
Rewards
- 5% Travel purchased through Chase Travel
- 3% Dining at restaurants, including takeout and eligible delivery
- 3% Drugstore purchases
- 1.5% All other purchases
Key perks
- No annual fee
- Cash back does not expire while the account is open
- Can be pooled with Chase Sapphire cards to unlock transferable points
- Complimentary DashPass for 6 months (DoorDash)
- Trip and purchase protection benefits
Pros
- Simple 1.5% flat rate on all purchases with no category tracking
- No annual fee
- 15-month 0% intro APR on purchases and balance transfers
- Elevated 5% and 3% rates on travel, dining, and drugstores
- Pairs with Sapphire cards to convert cash back into travel points
Cons
- 3% foreign transaction fee makes it poor for travel abroad
- Top 5% rate is limited to travel booked through Chase Travel
- No bonus categories for gas or groceries
- Balance transfer fee applies (intro 3%, then 5%)
The bottom line
Chase Freedom Unlimited scores 4.2 out of 5 in our rubric. Best flat-rate everyday cash back with no annual fee. Current welcome offer: $200 cash back after $500 spend in 3 months.
Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.