Chase Freedom Unlimited
By Alex Compton · Last verified
1.5x on everything, and a points multiplier when paired with a Sapphire.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 30k before; the current 20k is right at its typical 20k. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
20k
All-time high
30k
Typical offer
20k
In place since
June 2024
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | 20,000 | $500 in 3 mo | Terms reconfirmed$200 cash back; public offer confirmed unchanged | Chase Freedom Unlimited product page and offer details → |
| 2026-01 | 20,000 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-06 | 20,000 | $500 in 3 mo | Bonus decreased: 30,000 → 20,000 | Archive record · no attached snapshot |
| 2023-04 | 30,000 | $500 in 3 mo | Bonus increased: 20,000 → 30,000Match: extra 1.5% first year | Archive record · no attached snapshot |
| 2022-01 | 20,000 | $500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Correction to prior event summary: public $200 offer, no annual fee, earn rates, 15-month introductory APR and bonus eligibility confirmed
Chase Freedom Unlimited product page and offer details → - confirmed
Public offer, no annual fee, earn rates, 15-month introductory APR and bonus eligibility confirmed
Fields: offerHistory, benefits, cons, lastVerified
Chase Freedom Unlimited product page and offer details →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xChase Travel purchases
- 3xDining and drugstores
- 1.5xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Points pool into Sapphire/Ink accounts for transfer partner access
- ✦Purchase protection and extended warranty
- ✦0% introductory APR for 15 months on purchases and balance transfers
Why it earns its spot
- +Core piece of the Chase Trifecta
- +No annual fee, simple earn
- +3x dining/drugstore is sneaky strong for a free card
Where it costs you
- −3% foreign transaction fee
- −1.5x base is below 2% flat-rate cards if used alone
- −Unavailable to current cardmembers or previous cardmembers who received this card's bonus in the past 24 months
The Compound Verdict
Alone it is a fine 1.5x card. Next to a Sapphire it becomes a 3¢+/dollar machine on dining and a catch-all that feeds transfer partners. Every Chase points strategy should include one.
Head-to-Head Comparisons
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