Edited by: Keri Stooksbury
& Kellie Jez
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Additional 1.5% cash-back
Good to Excellent (670-850)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
(at Chase's secure site)
The Chase Freedom Unlimited is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
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If you’re in the market for a no-annual-fee cash-back card, it’s likely that the Freedom Unlimited card would be worth it for you.
With it, you’ll earn 5% back on travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% back on all other purchases, not to mention that the card offers perks with DoorDash, Lyft, and Instacart.
Since it earns an uncapped 1.5% back on all non-bonused purchases, this is one of the best cards for monthly bills and utilities.
One of our favorite perks about the Freedom Unlimited card is when you pair it with a premium Ultimate Rewards-earning card such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can redeem rewards for massive travel value for flights and hotels.
Such a card combination can help make sure you are maximizing every dollar you spend, and that you have the best redemption options possible.
Here are the protection the Freedom Unlimited card offers to help keep you covered:
Your Freedom Unlimited card gives you 3 free months of DoorDash DashPass, which provides unlimited deliveries with a $0 delivery fee and reduced service fees. After that, you can receive 50% off your DashPass subscription for the next 9 months.
When you use your Freedom Unlimited card as your payment method on Lyft, you’ll earn 5% cash-back, instead of 1.5%, on all rides through March 31, 2025.
The Freedom Unlimited card also offers 3 free months of Instacart+, which provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders. Plus, you can earn up to $10 in statement credits each quarter, through July 31, 2024, when you make eligible Instacart purchases with your card.
When it comes to redeeming your points, most often your best option will be redeeming for cash-back. Not only is it the most flexible option, but most of the other redemption options offer identical value.
That said, if you pair your card with a premium Chase card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card, you’ll have access to the Chase airline and hotel partners, which can open up many of the best ways to redeem Chase Ultimate Rewards points.
If it’s a standard cash-back card you’re after, the Double Cash card could be a great fit for you. The Double Cash card earns 2% cash-back: 1% when you buy, and an additional 1% as you pay for those purchases, all for no annual fee.
Read our full comparison of these 2 cards: Freedom Unlimited card vs. Double Cash card
If you’re looking for a cash-back card that offers bonus categories for what you spend the most on, consider a card like the Capital One Savor card. The Capital One Savor card earns 10% cash-back on Uber and Uber Eats, 4% cash-back on dining, entertainment, and streaming services, 3% at grocery stores, and 1% on all other purchases.
We’ve also compared the Freedom Unlimited card to other popular cards:
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Freedom Unlimited card could be perfect if you’re looking for a strong cash-back card and will utilize other Chase cards to optimize your rewards points.
Yes, the card is a cash-back card. You will earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, and drugstore purchases, plus 1.5% cash-back rewards on all other purchases, which is usable as a statement credit. Remember that you’ll earn an additional 1.5% cash-back for each of these categories on up to $20,000 spent in the first year!
No, the Freedom Unlimited card does not charge an annual fee.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.