Chase
Chase Freedom Unlimited
Annual Fee
$0
Sign-up Bonus
20,000 pts
Card data last reviewed 2026-10-24
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$414/yr
$414 rewards
#30 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$525/yr
$525 rewards
#18 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$483/yr
$483 rewards
#36 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
1.5x
Gas
1.5x
Flights
1.5x
Hotels
1.5x
Other Travel
1.5x
Online Shopping
1.5x
Rideshare
1.5x
Streaming
1.5x
Amazon
1.5x
Costco
1.5x
Other
1.5x
Apple
1.5x
Cell Phone
1.5x
Fast Food
3x
Home Utilities
1.5x
Internet
1.5x
Walmart
1.5x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% on travel purchased through Chase, 3% on dining and drugstores, 1.5% on everything else. Worth more when paired with CSR/CSP.
Chase Freedom Unlimited FAQ
What is the Chase Freedom Unlimited annual fee?
The Chase Freedom Unlimited has no annual fee.
What is the Chase Freedom Unlimited signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Verified 2026-10-24. Check the issuer's site for the current offer.
What are the best spending categories for the Chase Freedom Unlimited?
3x on dining, 3x on fast food, 1.5x on flights. Everything else earns 1.5x.
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Sources & Verification
Card data last reviewed 2026-10-24.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.