The Chase Freedom Unlimited is a no-fee card that earns 1.5% on everything, 3% on dining and drugstores, and 5% on Chase Travel. It earns Chase points that become transferable when you also hold a Sapphire or Ink card. Figures are as of 2026; confirm current terms and welcome offers at the issuer.
What the Chase Freedom Unlimited earns
| Category | Rate |
|---|---|
| Everything else | 1.5% back |
| Dining and drugstores | 3% back |
| Chase Travel | 5% back |
The perks and details
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The Freedom Unlimited earns Chase Ultimate Rewards. On its own the rewards act like cash back, but when you also hold a Chase Sapphire or Ink card, the points pool together and become transferable to Chase airline and hotel partners, which is where the real value is. It has no annual fee.
The fee math
With a $0 fee there is no break-even. The 1.5% base plus 3x dining and drugstores makes it a strong no-fee everyday earner, and it shines as the third leg of a Chase trifecta that turns everyday spend into transferable points. Confirm current earn rates at the issuer.
Chase Freedom Unlimited
Earn rates and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Original Freedom holders. Chase is moving some holders of the original Chase Freedom, the card that came before the Flex, to the Freedom Unlimited by November 20, 2026. The account number stays the same, rewards carry over, and the 5% rotating categories end; Doctor of Credit reported the notices on October 8, 2026 and says holders can call to move to the Freedom Flex instead.
Who it fits and who it does not
The Freedom Unlimited fits anyone building a Chase points setup who wants a no-fee card for non-bonus spend. It does not fit someone who wants premium travel perks on its own, which a paid Sapphire or premium card provides.
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FAQ
Does the Chase Freedom Unlimited have an annual fee?
No. The Freedom Unlimited has no annual fee, so its 1.5% base and bonus categories are pure return. Confirm current terms at Chase.
Are Freedom Unlimited rewards transferable?
On their own they act like cash back. Paired with a Chase Sapphire or Ink card, the points pool and become transferable to Chase airline and hotel partners. Confirm current pairing rules at Chase.
Does the Freedom Unlimited count toward Chase 5/24?
Yes. The Freedom Unlimited is a Chase card and counts toward your 5/24 total, so plan your application order.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
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