Chase Freedom Unlimited Credit Card

By Raquel Oliveira • 03/06/2025

Chase Freedom Unlimited Credit Card Offers generous cashback with unlimited 1.5% rewards.

The Chase Freedom Unlimited Credit Card is an excellent choice for individuals looking to earn cash back on everyday purchases with no rotating categories or complicated requirements. 

With 1.5% cash back on every purchase, including groceries, gas, dining, and travel, this card makes it easy to earn rewards on all your spending. Whether you’re shopping online, paying for dinner, or booking travel.

What makes the Chase Freedom Unlimited Credit Card unique is its simplicity. The 1.5% unlimited cash back on all purchases provides great flexibility for cardholders, as you don’t need to worry about activating bonus categories or spending caps. 

The Chase Freedom Unlimited card also offers valuable additional perks, such as access to the Chase Ultimate Rewards program, which lets you redeem your cash back for travel, gift cards, and more.

Surprising Cashback

The Chase Freedom Unlimited credit card provides a competitive cashback program, ensuring that every purchase earns rewards without requiring users to track spending categories or enroll in specific promotions.

• Earn unlimited 1.5% cashback on all eligible purchases with no spending limits or restrictions.
• Receive increased cashback in specific categories, such as pharmacies and dining at registered locations.
• New cardholders can earn a $200 welcome bonus after spending $500 in the first three months.
• Cashback is automatically applied to the account, and users can redeem rewards as bill credits, direct transfers, or travel through the Chase portal.

With easy redemptions and no minimum limits for earning cashback, this card offers flexibility and convenience for everyday use.

Pros and Cons

Pros:

• 1.5% unlimited cash back on every purchase: Earn cash back on all purchases, with no category restrictions.
• Sign-up bonus: A generous cash bonus for new cardholders.
• No annual fee: Enjoy rewards without paying extra fees.
• 0% intro APR for 15 months on purchases and balance transfers: Save on interest for the first 15 months.
• Access to Chase Ultimate Rewards: Redeem points for travel, gift cards, and more.
• No foreign transaction fees: Use your card abroad without paying extra fees.

Cons:

• High APR after the introductory period, making it costly for users who carry a balance.
• Cashback-only rewards, which may not appeal to individuals who prefer travel points or other incentives.
• Lower earning potential in non-bonus categories compared to some specialized rewards cards.

How do I know if the Chase Freedom Unlimited is the best credit card for me?

The Chase Freedom Unlimited Credit Card is perfect for individuals who want a simple and straightforward cash back card with no annual fee. 

If you’re looking for a card that rewards you on every purchase without worrying about categories or spending limits, this card is an excellent choice. 

Additionally, the 0% intro APR for 15 months on purchases and balance transfers makes it a great option for those who want to make large purchases or transfer balances without paying interest.

Why do we like this card?

We like the Chase Freedom Unlimited Credit Card because it offers a simple and reliable way to earn 1.5% cash back on every purchase. 

There are no rotating categories to track, making it easy to earn rewards on all your spending.

Conclusion

The Chase Freedom Unlimited credit card is a great choice for individuals who want a reliable and easy-to-use cashback credit card.

With unlimited 1.5% cashback on all purchases and increased rewards in select categories, it provides valuable savings without complicated conditions.

The lack of an annual fee and flexible redemption options make this card an excellent everyday spending tool. The $200 welcome bonus also adds to its appeal, making it a strong contender among cashback credit cards.

While it may not offer the highest rewards in specific categories, its overall convenience and benefits make it a well-rounded option. If you are looking for a credit card that prioritizes simplicity and savings, the Chase Freedom Unlimited is a great choice.