Chase Freedom Unlimited
A no-fee everyday card with an unusually low spend requirement on the bonus.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Travel booked through Chase Travel | 5% |
Dining at restaurants and drugstores | 3% |
All other purchases | 1.5% |
Welcome bonus
$200 bonus after $500 of spending in the first 3 months.
Requirement: $500 in 3 months
Perks
- 0% intro APR on purchases for 15 months
- 0% intro APR on balance transfers for 15 months
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Chase Freedom Unlimited worth it?
It has no annual fee. It's best suited to a no-fee everyday card with an unusually low spend requirement on the bonus. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Chase Freedom Unlimited earn?
It earns 5% on travel booked through chase travel, 3% on dining at restaurants and drugstores and 1.5% on all other purchases.
What credit score do you need for the Chase Freedom Unlimited?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Chase Freedom Unlimited Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/chase-freedom-unlimited, updated August 2026.
- Chase published product page and cardholder agreement