The Chase Freedom Unlimited® credit card is widely regarded as one of the best options for individuals who want to earn consistent cashback rewards while avoiding unnecessary fees.

With its impressive cashback structure, lack of annual fees, and user-friendly features, it offers unbeatable value for both everyday spenders and savvy travelers.

The standout feature of the Chase Freedom Unlimited® is its ability to reward users across a variety of spending categories.

You can earn up to 5% cashback on travel purchases, 3% on dining and drugstores, and a flat 1.5% on everything else. This makes it a go-to card for anyone looking to maximize their rewards on every purchase.

If you’re considering a new credit card for 2025, this guide will provide you with everything you need to know about the Chase Freedom Unlimited®—including its key features, detailed cashback structure, benefits, and step-by-step instructions on how to apply.

Keep reading to learn how this no-annual-fee credit card can help you save more and earn valuable rewards!

Key Features of the Chase Freedom Unlimited® Card

The Chase Freedom Unlimited® card offers a range of features that make it stand out from other credit cards in its category:

• No Annual Fee: Enjoy all the benefits of the card without paying an annual fee.
• Cashback Rewards: Generous cashback on a variety of spending categories:
  • 5% cashback on travel purchases booked through Chase Ultimate Rewards®.
  • 3% cashback on dining, including takeout and eligible food delivery services.
  • 3% cashback at drugstores for purchases like medications, toiletries, and household items.
  • 1.5% cashback on all other purchases with no spending limits.
• Welcome Bonus: Earn a $200 bonus (or equivalent offer) after meeting the minimum spending requirement within the first 3 months.
• 0% Introductory APR: Pay 0% interest on purchases and balance transfers for the first 15 months, followed by a variable APR.
• Flexible Rewards Redemption: Redeem your cashback through Chase Ultimate Rewards® for statement credits, direct deposits, gift cards, or travel purchases.
• Travel and Purchase Protection: Enjoy added protections, including extended warranties, purchase coverage, and travel insurance.

These features make the Chase Freedom Unlimited® one of the most versatile and rewarding credit cards available.

How the Chase Freedom Unlimited® Cashback Works

The cashback rewards program of the Chase Freedom Unlimited® is simple, yet incredibly rewarding. Here’s how it breaks down:

5% Cashback on Travel

Earn 5% cashback on all travel bookings made through Chase Ultimate Rewards®. This includes flights, hotels, car rentals, and vacation packages. If you’re a frequent traveler, this benefit alone can help you save significantly on your trips.

3% Cashback on Dining

The card offers 3% cashback on dining, whether you’re eating at restaurants, ordering takeout, or using eligible food delivery services. If you dine out regularly, this is a fantastic way to get rewarded for your meals.

3% Cashback at Drugstores

Earn 3% cashback on purchases at drugstores, including everyday essentials like personal care products, household items, and prescriptions.

1.5% Cashback on All Other Purchases

Unlike cards with rotating categories, the Chase Freedom Unlimited® provides a flat 1.5% cashback on every other purchase you make, without any spending caps.

The combination of high bonus categories and unlimited 1.5% cashback makes this card ideal for both planned and everyday purchases.

Top Benefits of the Chase Freedom Unlimited® Card

The Chase Freedom Unlimited® is not just about earning cashback; it also offers several added benefits to enhance your credit card experience:

1. No Annual Fee
   Enjoy all the perks of the card without paying any maintenance fees. This makes it a great option for anyone looking to save money while earning rewards.
2. Flexible Redemption Options
   You can redeem your cashback in various ways:
   • As a statement credit to lower your credit card balance.
   • As a direct deposit into your bank account.
   • For gift cards from popular retailers.
   • For travel bookings through Chase Ultimate Rewards®.
3. 0% Introductory APR
   With 0% APR on purchases and balance transfers for the first 15 months, the card is perfect for financing big purchases or consolidating existing debt.
4. Travel and Purchase Protections
   • Travel Accident Insurance: Protection for unexpected incidents during your travels.
   • Purchase Protection: Covers eligible new purchases from damage or theft within 120 days.
   • Extended Warranty Protection: Extends eligible U.S. manufacturer warranties by an additional year.

How to Apply for the Chase Freedom Unlimited® Card

Applying for the Chase Freedom Unlimited® is a quick and simple process. Follow these steps:

1. Check Eligibility Requirements

Ensure you meet the following criteria:

• Be at least 18 years old (or 19 in some states).
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Maintain a good to excellent credit score (recommended: 670 or higher).

2. Gather Required Information

Before starting your application, have the following details ready:

• Full name and date of birth.
• Social Security Number (SSN) or ITIN.
• Current address and contact information.
• Annual income and employment status.

3. Visit the Chase Website

Go to the official Chase website and locate the Chase Freedom Unlimited® card. Click the “Apply Now” button to begin.

4. Complete the Application

Fill out the online form with accurate personal and financial information. Review your details carefully before submitting the application.

5. Submit and Await Approval

Most applications receive an instant decision. If further review is required, Chase will notify you within 7-10 business days.

6. Activate Your Card

Once approved, your card will arrive within 5-7 business days. Activate it online or by phone to start using it and earning cashback.

You will be redirected to another site.

Tips for Maximizing Your Cashback Rewards

To get the most value from your Chase Freedom Unlimited® card, follow these strategies:

• Use the Card for Travel Bookings: Always book travel through Chase Ultimate Rewards® to earn 5% cashback.
• Dine Out or Order In: Use the card at restaurants or for eligible food delivery to earn 3% cashback.
• Pay for Everyday Essentials: Use the card for purchases at drugstores to earn 3% cashback on daily necessities.
• Pay Off Your Balance Monthly: Avoid interest charges by paying your full balance each month.
• Use It for All Other Purchases: Take advantage of the 1.5% unlimited cashback on everything else.

Conclusion

The Chase Freedom Unlimited® is a powerhouse credit card for anyone looking to earn generous cashback rewards without paying annual fees. With up to 5% cashback on travel, 3% on dining and drugstores, and 1.5% on all other purchases, it offers unmatched value for everyday spending.

Its flexible redemption options, introductory 0% APR, and additional protections make it an ideal choice for both new and experienced cardholders.

If you’re ready to elevate your financial strategy, the Chase Freedom Unlimited® is the perfect card to start earning rewards on every purchase.

Read more: Bilt Mastercard®: Turn Rent Payments into Valuable Rewards

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FAQ: Frequently Asked Questions

How much cashback does the Chase Freedom Unlimited® offer?

You can earn 5% on travel booked through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.

Is there an annual fee for the card?

No, the Chase Freedom Unlimited® does not charge an annual fee.

What credit score do I need to apply?

A good to excellent credit score (around 670 or higher) is recommended for approval.

How do I redeem my cashback rewards?

You can redeem cashback as statement credits, direct deposits, gift cards, or travel bookings through Chase Ultimate Rewards®.

Does the card offer 0% APR?

Yes, there’s a 0% introductory APR on purchases and balance transfers for the first 15 months.

Are there any spending caps on cashback rewards?

No, you can earn unlimited cashback in all eligible categories.

How long does it take to receive the card after approval?

Once approved, the card typically arrives within 5-7 business days.