Who it's for
Cash backNo annual fee
Chase Freedom Unlimited
Best no-fee Chase card. Used standalone, the 1.5% flat rate is competitive. Paired with CSR/CSP, the cash back becomes Ultimate Rewards points worth 1.5-2 cents each in transfer redemption.
$1,067/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 1.5x | $600/mo |
| Flights & hotels | 5x | $300/mo |
| Rent | 1.5x | $2,500/mo |
| Gas & transit | 1.5x | $150/mo |
| Streaming | 1.5x | $80/mo |
| Online shopping | 1.5x | $200/mo |
| Everything else | 1.5x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 5% cash back on travel booked through Chase Travel
- 3% on dining at restaurants (including takeout and eligible delivery)
- 3% at drugstores
- 1.5% on all other purchases (no cap)
- 2% on Lyft rides through 9/30/27
- $0 annual fee
- Pairs with Chase Sapphire Preferred or Reserve to unlock full transfer partner access — turning the 1.5% base into 1.875-3 cents/point in transfer value
- Complimentary DashPass membership (activate by 12/31/27)
- 0% intro APR for 15 months on purchases and balance transfers
Head-to-head
Similar cards
- Amazon Prime VisaNo annual fee$799est. value/yr
- Chase Freedom FlexNo annual fee$964est. value/yr
- Chase Ink Business CashNo annual fee$968est. value/yr
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
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