Mainstream

Chase Freedom Unlimited

Chase・Visa・No.003

The universal baseline card. A no-brainer 1.5% floor that turns into travel points once paired with a Sapphire.

✓ Verified · 2026-07-16

🎁 Extra 1.5% cash back on everything in year one

✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.

Reward highlights

1.5% on all purchases
3x dining & drugstores
Pairs with Sapphire to convert cash into points

Who it's for

Best as the everyday 'catch-all' card in a Chase points setup.

Good for

Cash back Dining

Key benefits

Purchase protection
Extended warranty
Trip cancellation/interruption insurance
No annual fee

Rates & fees

APR and fees are illustrative — confirm current terms on the issuer's site.

Frequently asked questions

Does the Chase Freedom Unlimited have an annual fee?

No — there is no annual fee.

Does it charge foreign transaction fees?

Yes — it charges a 3% foreign transaction fee, so it is not ideal abroad.

Does it earn cash back or points?

It earns cash back that can be converted to Ultimate Rewards points when paired with a Sapphire card.