Freedom Unlimited rewards & benefits.

Chase · credit · No annual fee · <p>5X on Lyft rides through March <span class="text-nowrap">2025</span></p> <p><span class="text-nowrap">5X on Chase Travel&nbsp;purchased through Chase Ultimate&nbsp;Rewards</span></p> <p><span class="text-nowrap">3X on&nbsp;dining&nbsp;at restaurants, including takeout and eligible delivery&nbsp;services</span></p> <p><span class="text-nowrap">3X on&nbsp;drugstore&nbsp;purchase</span></p> <p><span class="text-nowrap">1.5X on all other purchases</span></p>. Here's what it earns, what it costs, and whether it's worth it.

Rewards by category

effective cash-back rate
·
Dining
3%
·
Groceries
1%
·
Gas
1%
·
Travel
5%
·
Online shopping
1%
·
Entertainment
1%
·
Transit
1%
·
Everything else
1%
·
Annual fee
$0
·
Welcome bonus
No current welcome bonus
Estimate your rewards with this card

Credits

·
Instacart
$40

Perks

Is the Freedom Unlimited worth it?

On a typical US spending profile, the Freedom Unlimited projects to about $708 in annual rewards with no annual fee to offset. Your real number depends on where you actually spend — and on catching the credits and bonuses most people forget. WalletFlo tracks all of it automatically.

Common questions

What credit score do I need for the Freedom Unlimited?

A good-to-excellent credit score is generally recommended. Approval also depends on income, existing accounts, and issuer rules.

Is the Freedom Unlimited's annual fee worth it?

This card has no annual fee.

See what your real wallet is actually earning — and what you're leaving on the table.

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