Chase Freedom Unlimited
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Chase. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Chase Freedom Unlimited nets $587 in year one and $387 every year after, fee included. The biggest line is groceries, at $144. The welcome bonus counts, because this spending reaches $500 inside 3 months. For the family on our home page, it places third of the 12 cash back cards we’ve confirmed.
The Robinhood Gold Card, just above it among the confirmed cards, nets $65 more in year one. The Wells Fargo Active Cash, just below it, nets $19 less. Judged on every year after the first instead, it places seventh of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You spend a lot on dining: it earns 3x there.
- You want no annual fee.
Look elsewhere if
- You cannot put about $167 a month on it for 3 months: the $200 bonus pays nothing below $500.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Chase and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Chase’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 7 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
At the dollar figure the issuer states, $200, and only once your spending reaches $500 in 3 months.
What does it earn on each purchase?
3x on dining, and 1.5x on everything else.
Where it shows up
Every ranking and comparison with the Chase Freedom Unlimited in it, each computed the same way.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
- Citi Double Cash vs Chase Freedom UnlimitedCiti Double Cash pays $81 a year more than Chase Freedom Unlimited, year one and every year after.
- Wells Fargo Active Cash vs Chase Freedom UnlimitedChase Freedom Unlimited pays $19 more in year one, then Wells Fargo Active Cash pays $81 more every year after.
- Chase Freedom Flex vs Chase Freedom UnlimitedChase Freedom Unlimited pays $105 a year more than Chase Freedom Flex, year one and every year after.
More cards like this
- Yearly fee $0Citi Double CashCiti · for one card on everything, 2x
- Yearly fee $50Robinhood Gold CardRobinhood · for one card on everything, 3x
- Yearly fee $0Wells Fargo Active CashWells Fargo · for one card on everything, 2x
The three cash back cards beside this one on our list of every card. See every card