Chase
Chase Freedom Unlimited
Chase Freedom Unlimited costs No annual fee and earns up to 3× on dining. It also carries $40 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Chase Freedom Unlimited returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 3× dining
- Points value
- 1¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- $200
- Credits a year
- $40
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- 3%
What the Chase Freedom Unlimited earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Dining
3×
Drugstores
3×
Lyft
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Dining | 3× | |
| Drugstores | 3× | |
| Lyft | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1.5×. Confirm current terms with the issuer before you apply.
Is the Chase Freedom Unlimited right for you?
Enter a typical month. You will see what the Chase Freedom Unlimited returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Chase Freedom Unlimited Top for your numbers
3× dining, 3× drugstores; 1× everything else. No annual fee.
Rewards $459 · No annual fee
+$459
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
How we estimate
- Every rate on this page comes from the card catalog. Chase Freedom Unlimited pays 1.5× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"chase-freedom-unlimited","name":"Chase Freedom Unlimited","fee":0,"cpp":0.01,"base":1.5,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["drugstores"],"rate":3}],"credits":40},{"key":"capital-one-savor","name":"Capital One Savor","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"capital-one-savor-student","name":"Capital One Savor Student","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"chase-freedom-rise","name":"Chase Freedom Rise","fee":0,"cpp":0.01,"base":1.5,"credits":25}]}What comes with it
Welcome bonus
$200
Points and partners
Cash Back
Transferable to airline and hotel partners.
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| DoorDash promos $10 off one non-restaurant DoorDash order each calendar quarter through 12/31/2027 while DashPass is active, so the published cap is $40 a year. The 6-month DashPass membership itself is not counted as cash. | $40 | $40 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com 2026-10-05. No annual fee; $200 bonus after $500 spend. 1.5% on all purchases; 3% dining including takeout and delivery and 3% drugstores; 5% Chase Travel. Still charges a 3% foreign transaction fee, unlike the Freedom Flex, which Chase removed on 2026-09-21. 2% on Lyft through 9/30/2027. Six months of DashPass when activated by 12/31/2027 plus $10 off one non-restaurant DoorDash order each quarter. The catalog listed this card as paying Chase Ultimate Rewards points at 2.05 cents, which valued a cash-back card at more than twice what it pays; it is cash back, valued at 1 cent.
FAQ
The Chase Freedom Unlimited has no annual fee, so the only thing that matters is what it earns. Its best rate is 3× on dining.
3× on dining, and 1.5× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 1.5¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $40 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $200, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
Yes. It earns Cash Back, which you can transfer to the partners below. Transfers are what make a 1¢ valuation reachable; using the points for cash back is worth far less.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a Chase Freedom Unlimited that can wipe out the bonus rates, so check the numbers before you rely on it overseas.