Chase · Cash back · Visa

Chase Freedom Unlimited: what it's really worth

The Chase Freedom Unlimited has a no annual fee. For a typical household spending $2,070 a month, it's worth about $627 in year one and $427 each year after.

Annual fee$0

Sign-up bonus$200$200 after $500 in 3 mo

Net value · year 1$627

Net value · each year after$427

Some 2026 offers were $250.

Calculate it with your own spending

Is the annual fee worth it?

No annual fee — nothing to lose by keeping it open, which also helps your credit history.

How you earn

Category	Rate	Value per $1	Per year*
Dining	3%	3.0¢	$108
Groceries	1.5%	1.5¢	$90
Hotels	1.5%	1.5¢	$14
Flights	1.5%	1.5¢	$18
Gas	1.5%	1.5¢	$27
Streaming	1.5%	1.5¢	$7
Everything else	1.5%	1.5¢	$162

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 3% on dining and drugstores; 5% on travel through Chase Travel. Pairs with Sapphire cards for more value.

Credits and perks

Purchase protection
Foreign transaction fee: 3%

Who it's for

A no-fee everyday card with an easy bonus
Pairing with a Sapphire card later
Not ideal: Use abroad (3% foreign transaction fee)

Can I get it?

Recommended credit: Good
Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
Visa: Accepted almost everywhere, including Costco warehouses (Visa only).

Check the current offer at Chase

Updated Oct 30, 2026.