Chase Freedom Unlimited Cash Back Machine with Big Sign-Up Bonus and 0% Intro APR

Quick overview

The Chase Freedom Unlimited card is a versatile cash-back credit option tailored for everyday American spenders who want strong rewards without an annual fee. Cardholders earn Chase Ultimate Rewards points that convert easily to statement credits, travel bookings or direct deposits, making the card practical for families, commuters and online shoppers across the United States.

With a 0% intro APR on purchases and balance transfers for 15 months and a welcome sign-up bonus of up to $300, the Chase Freedom Unlimited blends short-term financing flexibility with consistent cash back on daily purchases. The combination of a $0 annual fee and broad redemption choices keeps the card competitive among mid-tier rewards cards.

Rewards structure and sign-up bonus

Chase Freedom Unlimited delivers solid cash-back rates: 5% on travel booked through Chase, 3% on dining and drugstore purchases, and 1.5% back on all other purchases. Those rates translate into Chase Ultimate Rewards points that are straightforward to redeem — 1 point typically equals 1 cent for cash back or travel through the Chase portal.

The current sign-up bonus can be worth up to $300 when you meet the initial spending requirement within the first few months. That upfront bonus, combined with elevated category rates, makes the card especially valuable in the first year for people with planned big-ticket purchases or concentrated monthly spending.

Intro APR, fees and fine print

The 0% intro APR for 15 months applies to purchases and qualifying balance transfers, offering breathing room to pay off large expenses interest-free in the short term. After the introductory period ends, the variable APR ranges based on creditworthiness, so it’s important to plan to pay down balances before standard APR applies.

There’s no annual fee and no minimum for redeeming rewards, but watch for a 3% foreign transaction fee if you travel internationally — that makes this card less ideal as a primary travel card abroad. Eligibility typically requires good to excellent credit, and the sign-up bonus rules and balance transfer fees should be reviewed on Chase’s site before applying.

How to maximize rewards and who should apply

To get the most from Chase Freedom Unlimited, route recurring expenses like groceries, utilities and subscriptions through the card and use the Chase travel portal for larger trips to increase point value. Pairing this card with another Chase Ultimate Rewards card, such as a premium travel card, lets you transfer and combine points for higher redemption value.

This card fits U.S. consumers who want a no-fuss cash-back solution with an attractive intro APR and an upfront bonus. If you prioritize international travel without foreign transaction fees, or need a flat 2% back on everything, compare alternatives — but for everyday U.S. spending and flexible redemptions, Chase Freedom Unlimited remains a top contender.