Chase Freedom Unlimited Review: 1.5% Plus 3% Dining

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Updated Oct 29, 2026 · Written by Cash Back Specialist Editors · Reviewed by: reviewer to be added · How we rate cards

Our verdict

The Freedom Unlimited earns less than a 2% card on general spending (1.5%), but 3% on dining and drugstores and 5% on Chase Travel, plus a $200 bonus and 15 months of 0% intro APR on purchases and balance transfers, make it a strong first card or a partner to other Chase cards.

Rating coming after our two-editor scoring

Chase Freedom Unlimited®

Annual fee $0
Rewards
  • 1.5% cash back on all purchases
  • 3% on dining (including takeout and eligible delivery) and on drugstore purchases
  • 5% on travel purchased through Chase Travel
Welcome offer $200 bonus after $500 in purchases in the first 3 months (not available if you received a bonus for this card in the past 24 months)
Intro APR 0% intro APR for 15 months from account opening on purchases and balance transfers
Regular APR 18.49%–27.99% variable APR after the intro period
Foreign transaction fee Not verified yet: check the issuer’s current terms

See rates & fees on Chase's site Read our full review

Terms checked on Chase’s site on Oct 29, 2026. Offers change; confirm the current rates and fees before you apply.

Where it beats a 2% card

On $300 a month at restaurants, 3% earns $108 a year versus $72 at 2%. On general spending the 2% card wins: $1,000 a month earns $180 a year at 1.5% versus $240 at 2%. Run your mix in the calculator.

Extras

Chase lists 2% total cash back on qualifying Lyft purchases through Sept. 30, 2027.

Pros and cons

Pros

  • 1.5% on everything, 3% on dining and drugstores, 5% on Chase Travel
  • $200 bonus after $500 in 3 months
  • 0% intro APR for 15 months on purchases and balance transfers
  • No annual fee; no minimum to redeem cash back

Cons

  • 1.5% base rate is below 2% cards
  • Bonus not available if you got one for this card in the past 24 months

Who it is for

Diners and anyone who wants a long 0% intro period on purchases. Also people who plan to hold other Chase cards.

Alternatives

Frequently asked questions

What does Chase Freedom Unlimited earn?

1.5% on all purchases, 3% on dining (including takeout and eligible delivery) and drugstores, and 5% on travel purchased through Chase Travel, per Chase on Oct 29, 2026.

What is the Freedom Unlimited's APR?

0% intro APR for 15 months from account opening on purchases and balance transfers, then 18.49%–27.99% variable, as of Oct 29, 2026.

Sources