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Earn 1.5% on everything plus 5% on travel and 3% on dining
The Chase Freedom Unlimited delivers effortless rewards with 1.5% cash back on every purchase, plus elevated rates of 5% on Chase Travel, 3% on dining and drugstores, and no annual fee. When paired with a Chase Sapphire card, your cash back transforms into Ultimate Rewards points transferable to airline and hotel partners at 1:1 ratios.
$0
Annual Fee
200
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 200 Ultimate Rewards points
Spend: $500
Period: 3 months
5X
Travel purchased through Chase Travel portal - No annual cap
3X
Restaurants including takeout and delivery - No annual cap
3X
Drugstore purchases - No annual cap
1.5X
Unlimited 1.5% cash back on all other purchases - No annual cap
Book through Chase Travel's portal and earn 5x points on flights, hotels, rental cars, cruises, and activities—no blackout dates or restrictions.
Book a $2,000 vacation through Chase Travel and earn 10,000 points—worth $100 in cash back or $125 when redeemed through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on dining at restaurants, including takeout and eligible delivery services like DoorDash, Uber Eats, and Grubhub.
Spend $500/month on dining and earn 18,000 points per year—worth $180 in cash back or $225 through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on all purchases at drugstores—from prescriptions to health essentials to everyday items.
Spend $200/month at CVS or Walgreens and earn 7,200 points per year—worth $72 in cash back.
No categories to track or activate. Earn 1.5x points automatically on groceries, gas, utilities, streaming, shopping, and all other purchases.
Spend $2,000/month on non-bonus categories and earn 36,000 points per year—worth $360 in cash back or $450 through Chase Travel with a Sapphire card (1.25cpp).
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 18.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Earn 1.5% on everything plus 5% on travel and 3% on dining
The Chase Freedom Unlimited delivers effortless rewards with 1.5% cash back on every purchase, plus elevated rates of 5% on Chase Travel, 3% on dining and drugstores, and no annual fee. When paired with a Chase Sapphire card, your cash back transforms into Ultimate Rewards points transferable to airline and hotel partners at 1:1 ratios.
$0
Annual Fee
200
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 200 Ultimate Rewards points
Spend: $500
Period: 3 months
5X
Travel purchased through Chase Travel portal - No annual cap
3X
Restaurants including takeout and delivery - No annual cap
3X
Drugstore purchases - No annual cap
1.5X
Unlimited 1.5% cash back on all other purchases - No annual cap
Book through Chase Travel's portal and earn 5x points on flights, hotels, rental cars, cruises, and activities—no blackout dates or restrictions.
Book a $2,000 vacation through Chase Travel and earn 10,000 points—worth $100 in cash back or $125 when redeemed through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on dining at restaurants, including takeout and eligible delivery services like DoorDash, Uber Eats, and Grubhub.
Spend $500/month on dining and earn 18,000 points per year—worth $180 in cash back or $225 through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on all purchases at drugstores—from prescriptions to health essentials to everyday items.
Spend $200/month at CVS or Walgreens and earn 7,200 points per year—worth $72 in cash back.
No categories to track or activate. Earn 1.5x points automatically on groceries, gas, utilities, streaming, shopping, and all other purchases.
Spend $2,000/month on non-bonus categories and earn 36,000 points per year—worth $360 in cash back or $450 through Chase Travel with a Sapphire card (1.25cpp).
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 18.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Earn 1.5% on everything plus 5% on travel and 3% on dining
The Chase Freedom Unlimited delivers effortless rewards with 1.5% cash back on every purchase, plus elevated rates of 5% on Chase Travel, 3% on dining and drugstores, and no annual fee. When paired with a Chase Sapphire card, your cash back transforms into Ultimate Rewards points transferable to airline and hotel partners at 1:1 ratios.
$0
Annual Fee
200
Ultimate Rewards points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Point Valuation
1.5–2 cpp (mid: 1.8)
Credit Required
Good to Excellent
Bonus: 200 Ultimate Rewards points
Spend: $500
Period: 3 months
5X
Travel purchased through Chase Travel portal - No annual cap
3X
Restaurants including takeout and delivery - No annual cap
3X
Drugstore purchases - No annual cap
1.5X
Unlimited 1.5% cash back on all other purchases - No annual cap
Book through Chase Travel's portal and earn 5x points on flights, hotels, rental cars, cruises, and activities—no blackout dates or restrictions.
Book a $2,000 vacation through Chase Travel and earn 10,000 points—worth $100 in cash back or $125 when redeemed through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on dining at restaurants, including takeout and eligible delivery services like DoorDash, Uber Eats, and Grubhub.
Spend $500/month on dining and earn 18,000 points per year—worth $180 in cash back or $225 through Chase Travel with a Sapphire card (1.25cpp).
Earn 3x points on all purchases at drugstores—from prescriptions to health essentials to everyday items.
Spend $200/month at CVS or Walgreens and earn 7,200 points per year—worth $72 in cash back.
No categories to track or activate. Earn 1.5x points automatically on groceries, gas, utilities, streaming, shopping, and all other purchases.
Spend $2,000/month on non-bonus categories and earn 36,000 points per year—worth $360 in cash back or $450 through Chase Travel with a Sapphire card (1.25cpp).
Benefits & Perks
Program & Transfers
Transfer to 14 partners at 1:1 with 1.5-2.0cpp portal floor
Chase Ultimate Rewards stands as the most versatile transferable points program, combining best-in-class hotel transfers, strong airline coverage, and valuable portal redemptions. The crown jewel is the 1:1 World of Hyatt transfer, widely considered the best hotel transfer value in the industry. With 14 transfer partners spanning all three major alliances, Ultimate Rewards offers flexibility for both domestic and international travel. The program uniquely includes Southwest Rapid Rewards as a transfer partner - the only way to earn Southwest points through transfers, making it essential for Companion Pass strategies. The Sapphire Reserve's 1.5cpp portal value provides a reliable redemption floor, while Pay Yourself Back offers 1.5cpp for statement credits in select categories. This combination of transfer flexibility and fixed-value options makes Ultimate Rewards ideal for both beginners and optimization experts.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 18.24%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Combined Protection Value
$5,850
Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid fares when sickness or weather cancels your plans.
Covers new purchases against damage, theft, or loss for 120 days from purchase, up to $500 per item.
Continuous fraud monitoring with instant alerts via text, email, or phone when unusual purchases appear on your card.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Special guest status at 900+ luxury hotels with complimentary breakfast, upgrades, and $25 food/beverage credit per stay.
Silver Status with 10% savings on golf fees, merchandise, and lessons at 150+ courses (lower tier than Infinite).
Access personal concierge service and exclusive benefits at 900+ luxury hotels including breakfast and room upgrades.
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
Best-in-class flat-rate cash back card with 1.5% everywhere and bonus categories (5% Chase Travel, 3% dining/drugstores). No annual fee, lengthy 0% intro APR, and transfers to travel partners when paired with Sapphire. Ideal for Chase ecosystem builders and balance transfer seekers.
This beginner-friendly card makes it easy to explore the points and miles hobby without a large commitment, but it lacks strong rewards. For better long term value, you will need to consider other Chase cards instead.
This is a good beginner card if you want to get your feet wet in the points and miles hobby. It has no annual fee, so there’s no financial commitment, and it will help you learn the basics of spending categories and points multipliers. While it’s a simple card to obtain and use, it doesn’t offer a ton of value. We recommend taking the time to read up on points and miles, then taking a leap of faith by getting one of the Chase Sapphire cards instead. Each Sapphire card has an annual fee—starting at $95 for the Preferred—but delivers strong returns through the Ultimate Rewards transfer ecosystem.
If you’re new to the points-and-miles hobby, the Chase Freedom Unlimited credit card can be a helpful introduction. It has relatively simple rules to help you learn about spending categories, and it offers a base rate of 1.5% cash back on every purchase, every day.
- Additional cash-back categories: 5% on travel booked through the Chase portal, 3% on dining (including takeout and eligible delivery), and 3% on drugstore purchases.
- No annual fee: You won’t need to worry about an extra cost just for holding the card.
However, if you plan to use points for travel, you’ll need cards that charge an annual fee to maximize your rewards. Pairing the Freedom Unlimited with a Chase Sapphire card (Preferred or Reserve) or an Ink Business Preferred card lets you convert your cash back into Chase Ultimate Rewards points—often considered the most valuable points in the game.
In addition, the Freedom Unlimited comes with:
- Purchase protection
- Trip cancellation and interruption insurance
- Fraud monitoring
- Extended warranty protection
- Auto rental coverage
With these features, the Chase Freedom Unlimited card can be an excellent starting place before moving on to cards that earn more substantial points and miles.
There are a few scenarios where this card may not be the best fit:
1. You want points and miles specifically for travel, and this card only offers cash back on its own. (You can transfer the cash back to Ultimate Rewards points, but you need another Chase card to do so.)
2. This card might take up a coveted spot in your 5/24 limit.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners at 1:1 ratios (typically the highest-value redemption option)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$36
Annual Fee
-$0
Net Annual Value
+$36
Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Flex | mid | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
In-depth analysis of the card's flat-rate cash back structure, bonus categories, and value proposition for both beginners and Chase ecosystem users. Includes redemption flexibility and comparison with Freedom Flex.
Comprehensive review covering earning rates, welcome bonus, redemption options, and pairing strategies with premium Chase cards. Updated for 2026 with analysis of the $200 bonus and 0% intro APR offer.
Bankrate's comprehensive review calling it an ideal card for nearly any wallet thanks to solid cash back rates and few fees or strings attached. Covers pros, cons, and ideal user profiles.
Motley Fool's review highlighting the dual-purpose nature of the card—earning cash back while maintaining optionality to convert to travel points with Sapphire card pairing.
CNN Underscored's comprehensive review naming it among the best cash-back credit cards available and the best card with no annual fee. Covers benefits, earning structure, and travel insurance.
Doctor of Credit's analysis emphasizing the card's value when paired with premium Chase cards for transfer partner access. Covers Chase 5/24 rule implications and signup bonus history.
CNBC Select's analysis highlighting the card's above-average 1.5% base rate, generous welcome bonus, and long 0% intro APR period. Emphasizes value for everyday spending and balance transfers.
Upgraded Points' 2026 evaluation of the card's worth, including detailed analysis of earning categories, annual value calculations, and comparison with competing no-fee cards.
U.S. News evaluation of the card's features, benefits, and suitability for different types of cardholders. Includes expert ratings and user feedback.
Personal perspective article outlining five key reasons to value the Freedom Unlimited, including the flat 1.5% rate, pairing potential, and welcome bonus accessibility.
Detailed guide comparing the current welcome offers on both Freedom cards, with analysis of which bonus is better for different spending patterns.
CNBC Select article covering a limited-time elevated $300 welcome bonus (note: current public offer is $200), positioning the card as ideal for beginners entering the Chase ecosystem.
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Combined Protection Value
$5,850
Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid fares when sickness or weather cancels your plans.
Covers new purchases against damage, theft, or loss for 120 days from purchase, up to $500 per item.
Continuous fraud monitoring with instant alerts via text, email, or phone when unusual purchases appear on your card.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Special guest status at 900+ luxury hotels with complimentary breakfast, upgrades, and $25 food/beverage credit per stay.
Silver Status with 10% savings on golf fees, merchandise, and lessons at 150+ courses (lower tier than Infinite).
Access personal concierge service and exclusive benefits at 900+ luxury hotels including breakfast and room upgrades.
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
Best-in-class flat-rate cash back card with 1.5% everywhere and bonus categories (5% Chase Travel, 3% dining/drugstores). No annual fee, lengthy 0% intro APR, and transfers to travel partners when paired with Sapphire. Ideal for Chase ecosystem builders and balance transfer seekers.
This beginner-friendly card makes it easy to explore the points and miles hobby without a large commitment, but it lacks strong rewards. For better long term value, you will need to consider other Chase cards instead.
This is a good beginner card if you want to get your feet wet in the points and miles hobby. It has no annual fee, so there’s no financial commitment, and it will help you learn the basics of spending categories and points multipliers. While it’s a simple card to obtain and use, it doesn’t offer a ton of value. We recommend taking the time to read up on points and miles, then taking a leap of faith by getting one of the Chase Sapphire cards instead. Each Sapphire card has an annual fee—starting at $95 for the Preferred—but delivers strong returns through the Ultimate Rewards transfer ecosystem.
If you’re new to the points-and-miles hobby, the Chase Freedom Unlimited credit card can be a helpful introduction. It has relatively simple rules to help you learn about spending categories, and it offers a base rate of 1.5% cash back on every purchase, every day.
- Additional cash-back categories: 5% on travel booked through the Chase portal, 3% on dining (including takeout and eligible delivery), and 3% on drugstore purchases.
- No annual fee: You won’t need to worry about an extra cost just for holding the card.
However, if you plan to use points for travel, you’ll need cards that charge an annual fee to maximize your rewards. Pairing the Freedom Unlimited with a Chase Sapphire card (Preferred or Reserve) or an Ink Business Preferred card lets you convert your cash back into Chase Ultimate Rewards points—often considered the most valuable points in the game.
In addition, the Freedom Unlimited comes with:
- Purchase protection
- Trip cancellation and interruption insurance
- Fraud monitoring
- Extended warranty protection
- Auto rental coverage
With these features, the Chase Freedom Unlimited card can be an excellent starting place before moving on to cards that earn more substantial points and miles.
There are a few scenarios where this card may not be the best fit:
1. You want points and miles specifically for travel, and this card only offers cash back on its own. (You can transfer the cash back to Ultimate Rewards points, but you need another Chase card to do so.)
2. This card might take up a coveted spot in your 5/24 limit.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners at 1:1 ratios (typically the highest-value redemption option)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$36
Annual Fee
-$0
Net Annual Value
+$36
Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Flex | mid | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
In-depth analysis of the card's flat-rate cash back structure, bonus categories, and value proposition for both beginners and Chase ecosystem users. Includes redemption flexibility and comparison with Freedom Flex.
Comprehensive review covering earning rates, welcome bonus, redemption options, and pairing strategies with premium Chase cards. Updated for 2026 with analysis of the $200 bonus and 0% intro APR offer.
Bankrate's comprehensive review calling it an ideal card for nearly any wallet thanks to solid cash back rates and few fees or strings attached. Covers pros, cons, and ideal user profiles.
Motley Fool's review highlighting the dual-purpose nature of the card—earning cash back while maintaining optionality to convert to travel points with Sapphire card pairing.
CNN Underscored's comprehensive review naming it among the best cash-back credit cards available and the best card with no annual fee. Covers benefits, earning structure, and travel insurance.
Doctor of Credit's analysis emphasizing the card's value when paired with premium Chase cards for transfer partner access. Covers Chase 5/24 rule implications and signup bonus history.
CNBC Select's analysis highlighting the card's above-average 1.5% base rate, generous welcome bonus, and long 0% intro APR period. Emphasizes value for everyday spending and balance transfers.
Upgraded Points' 2026 evaluation of the card's worth, including detailed analysis of earning categories, annual value calculations, and comparison with competing no-fee cards.
U.S. News evaluation of the card's features, benefits, and suitability for different types of cardholders. Includes expert ratings and user feedback.
Personal perspective article outlining five key reasons to value the Freedom Unlimited, including the flat 1.5% rate, pairing potential, and welcome bonus accessibility.
Detailed guide comparing the current welcome offers on both Freedom cards, with analysis of which bonus is better for different spending patterns.
CNBC Select article covering a limited-time elevated $300 welcome bonus (note: current public offer is $200), positioning the card as ideal for beginners entering the Chase ecosystem.
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Combined Protection Value
$5,850
Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid fares when sickness or weather cancels your plans.
Covers new purchases against damage, theft, or loss for 120 days from purchase, up to $500 per item.
Continuous fraud monitoring with instant alerts via text, email, or phone when unusual purchases appear on your card.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Special guest status at 900+ luxury hotels with complimentary breakfast, upgrades, and $25 food/beverage credit per stay.
Silver Status with 10% savings on golf fees, merchandise, and lessons at 150+ courses (lower tier than Infinite).
Access personal concierge service and exclusive benefits at 900+ luxury hotels including breakfast and room upgrades.
Points Boost replaces fixed portal multipliers for new Sapphire cardholders, changing CSR from guaranteed 1.5cpp to variable 1.0-2.0cpp
Chase Sapphire Reserve Business card launched with 150,000 point welcome bonus and $120K annual spend threshold
Air Canada Aeroplan added as 14th transfer partner with instant transfers and 10% bonus for Chase Aeroplan cardholders on 50K+ transfers
The Edit luxury hotel collection launched for Sapphire Reserve holders with breakfast, $100 credit, and room upgrades
Transfer your Ultimate Rewards points to 14 leading loyalty programs for maximum value.
Most partners accept Ultimate Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 91% | — | |
| 1:1 | instant | 85% | 1.5 cpp | |
| 1:1 | instant | 79% | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe in Economy on a Partner | 3,500 | British Airways Avios | economy | europe |
| Intra-Europe in Economy | 3,500 | Iberia Plus | economy | europe |
| Short Haul Intra-Europe | 4,000 | British Airways Avios | economy | europe |
| Intra-Europe in Economy on a Partner | 4,000 | Virgin Atlantic Flying Club | economy | europe |
| Intra-Europe in Economy | 7,500 | Air France Klm Flying Blue | economy | europe |
| Intra-Europe on Star Alliance | 8,000 | United Mileageplus | economy | europe |
| Domestic US in Economy | 4,600 | Jetblue Trueblue | economy | united_states |
| Domestic US in Economy on a Partner | 6,300 | United Mileageplus | economy | united_states |
| Domestic US and Canada in Economy | 7,100 | Air Canada Aeroplan | economy | united_states |
| Domestic US in Economy on a Partner | 7,500 | Virgin Atlantic Flying Club | economy | united_states |
| Domestic US in Economy on a Partner | 13,500 | British Airways Avios | economy | united_states |
| Domestic US in Economy on a Partner | 15,000 | Singapore Krisflyer | economy | united_states |
| US to Europe in Economy | 6,000 | Virgin Atlantic Flying Club | economy | europe |
| US to Europe in Economy | 13,000 | Aer Lingus Avios | economy | europe |
| US to Europe in Economy | 16,000 | Iberia Plus | economy | europe |
| US to Iceland in Economy on a Partner | 17,000 | Jetblue Trueblue | economy | europe |
| US to Europe in Economy | 25,000 | Air France Klm Flying Blue | economy | europe |
| US to Europe in Economy | 26,700 | United Mileageplus | economy | europe |
| US to Europe in Economy | 35,000 | Air Canada Aeroplan | economy | europe |
| US to Hawaii in Economy | 8,000 | Southwest Rapid Rewards | economy | united_states |
Showing top 20 of 57 sweet spots
Best-in-class flat-rate cash back card with 1.5% everywhere and bonus categories (5% Chase Travel, 3% dining/drugstores). No annual fee, lengthy 0% intro APR, and transfers to travel partners when paired with Sapphire. Ideal for Chase ecosystem builders and balance transfer seekers.
This beginner-friendly card makes it easy to explore the points and miles hobby without a large commitment, but it lacks strong rewards. For better long term value, you will need to consider other Chase cards instead.
This is a good beginner card if you want to get your feet wet in the points and miles hobby. It has no annual fee, so there’s no financial commitment, and it will help you learn the basics of spending categories and points multipliers. While it’s a simple card to obtain and use, it doesn’t offer a ton of value. We recommend taking the time to read up on points and miles, then taking a leap of faith by getting one of the Chase Sapphire cards instead. Each Sapphire card has an annual fee—starting at $95 for the Preferred—but delivers strong returns through the Ultimate Rewards transfer ecosystem.
If you’re new to the points-and-miles hobby, the Chase Freedom Unlimited credit card can be a helpful introduction. It has relatively simple rules to help you learn about spending categories, and it offers a base rate of 1.5% cash back on every purchase, every day.
- Additional cash-back categories: 5% on travel booked through the Chase portal, 3% on dining (including takeout and eligible delivery), and 3% on drugstore purchases.
- No annual fee: You won’t need to worry about an extra cost just for holding the card.
However, if you plan to use points for travel, you’ll need cards that charge an annual fee to maximize your rewards. Pairing the Freedom Unlimited with a Chase Sapphire card (Preferred or Reserve) or an Ink Business Preferred card lets you convert your cash back into Chase Ultimate Rewards points—often considered the most valuable points in the game.
In addition, the Freedom Unlimited comes with:
- Purchase protection
- Trip cancellation and interruption insurance
- Fraud monitoring
- Extended warranty protection
- Auto rental coverage
With these features, the Chase Freedom Unlimited card can be an excellent starting place before moving on to cards that earn more substantial points and miles.
There are a few scenarios where this card may not be the best fit:
1. You want points and miles specifically for travel, and this card only offers cash back on its own. (You can transfer the cash back to Ultimate Rewards points, but you need another Chase card to do so.)
2. This card might take up a coveted spot in your 5/24 limit.
**Chase Ultimate Rewards is our most valued point system.**
- These points are the most flexible of any credit card points. You can transfer points to their partners at 1:1 ratios (typically the highest-value redemption option)
- Or you can book travel directly through the Chase portal, including cruise, car rental, or specialty hotels.
- The quality of their transfer partners (Hyatt, United & Southwest) is unmatched. As is the value you can get when you transfer.
- You can get a “multiplier effect” on your Chase Ultimate Rewards points when you have either of Chase’s Sapphire cards by taking advantage of Points Boost.
- We view Ultimate Rewards as the points “savings account” to top off a partner reward system for a flight or hotel. Or to book travel items directly through the Chase travel portal.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$36
Annual Fee
-$0
Net Annual Value
+$36
Freedom family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Chase Freedom Flex | mid | $0 |
Product changes available between family members without a new credit inquiry.
Cash back redemptions return only 1 cent per point. Booking travel through the Chase Travel Portal can be worth up to 2 cents per point with the Chase Sapphire Reserve for Points Boost redemptions. Transferring points to airline or hotel partners can deliver even higher value, up to 7-10 cents per point.
The most efficient way to redeem Chase points is to transfer them to travel partners. Transfers deliver outsized value, often well more than 2 cents per point. Booking through the Chase Travel Portal is easier, but learning partner awards maximizes long-term value and flexibility.
The two Chase Sapphire Reserve cards, personal and business, offer the biggest signup bonuses and most perks, but they also carry higher annual fees. The Chase Sapphire Preferred is an excellent alternative for travelers who want strong value and transferable points with a lower fee.
You cannot book Airbnb through Chase Travel, as Airbnb is not a direct transfer partner. Chase does offer vacation rentals in its portal for select cardholders. Log in to Chase Travel, and if your card is eligible you will see options to search hotels or vacation homes.
American Express provides access to more lounges than Chase through the Global Lounge Collection, which includes Centurion Lounges, Delta Sky Clubs, and other partner lounges. The premium cards from both reward systems offer access to the most lounges.
In-depth analysis of the card's flat-rate cash back structure, bonus categories, and value proposition for both beginners and Chase ecosystem users. Includes redemption flexibility and comparison with Freedom Flex.
Comprehensive review covering earning rates, welcome bonus, redemption options, and pairing strategies with premium Chase cards. Updated for 2026 with analysis of the $200 bonus and 0% intro APR offer.
Bankrate's comprehensive review calling it an ideal card for nearly any wallet thanks to solid cash back rates and few fees or strings attached. Covers pros, cons, and ideal user profiles.
Motley Fool's review highlighting the dual-purpose nature of the card—earning cash back while maintaining optionality to convert to travel points with Sapphire card pairing.
CNN Underscored's comprehensive review naming it among the best cash-back credit cards available and the best card with no annual fee. Covers benefits, earning structure, and travel insurance.
Doctor of Credit's analysis emphasizing the card's value when paired with premium Chase cards for transfer partner access. Covers Chase 5/24 rule implications and signup bonus history.
CNBC Select's analysis highlighting the card's above-average 1.5% base rate, generous welcome bonus, and long 0% intro APR period. Emphasizes value for everyday spending and balance transfers.
Upgraded Points' 2026 evaluation of the card's worth, including detailed analysis of earning categories, annual value calculations, and comparison with competing no-fee cards.
U.S. News evaluation of the card's features, benefits, and suitability for different types of cardholders. Includes expert ratings and user feedback.
Personal perspective article outlining five key reasons to value the Freedom Unlimited, including the flat 1.5% rate, pairing potential, and welcome bonus accessibility.
Detailed guide comparing the current welcome offers on both Freedom cards, with analysis of which bonus is better for different spending patterns.
CNBC Select article covering a limited-time elevated $300 welcome bonus (note: current public offer is $200), positioning the card as ideal for beginners entering the Chase ecosystem.
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Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
You won't pay for fraudulent purchases when you report them promptly, with 24/7 fraud monitoring included.
Secondary coverage for theft and collision damage on rentals when you pay with this card and decline the rental company's insurance.
Extends warranties by one year on purchases with 3-year or shorter original warranties, up to 4 years total coverage.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
Chase offers many cards, but we’ll keep things simple if you’re just starting out. In addition to the Freedom Unlimited, there are two other Chase Freedom cards:
- **Freedom Rise** – Similar to the Unlimited, it offers 1.5% cash back on all purchases so you don’t have to worry about categories.
- **Freedom Flex** – Offers 5% back in quarterly rotating bonus categories (e.g., groceries, gym memberships, hair/nail/spa services, or Norwegian Cruise purchases).
Once you’ve tried one of the Freedom cards, consider a Chase Sapphire card if you want to turn your cash back into Ultimate Rewards points that can transfer to hotel and airline partners for free travel. The **Chase Sapphire Preferred** is the lower-tier option, with a $95 annual fee and a $50 hotel credit each year to help offset that cost. It also offers 3x points on dining and 2x on travel, plus 25% more value when booking through the Chase portal.
If you want even more value, perks, and benefits, look at the **Chase Sapphire Reserve**. It has a higher annual fee ($795), but you’ll immediately offset part of that with a $300 travel credit. You’ll also get additional statement credits and various other perks. Both Sapphire cards currently offer 75,000-point sign-up bonuses. However, remember that you can only receive a Sapphire sign-up bonus once every 48 months, so choose wisely if you plan to open one of these cards.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
You won't pay for fraudulent purchases when you report them promptly, with 24/7 fraud monitoring included.
Secondary coverage for theft and collision damage on rentals when you pay with this card and decline the rental company's insurance.
Extends warranties by one year on purchases with 3-year or shorter original warranties, up to 4 years total coverage.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
Chase offers many cards, but we’ll keep things simple if you’re just starting out. In addition to the Freedom Unlimited, there are two other Chase Freedom cards:
- **Freedom Rise** – Similar to the Unlimited, it offers 1.5% cash back on all purchases so you don’t have to worry about categories.
- **Freedom Flex** – Offers 5% back in quarterly rotating bonus categories (e.g., groceries, gym memberships, hair/nail/spa services, or Norwegian Cruise purchases).
Once you’ve tried one of the Freedom cards, consider a Chase Sapphire card if you want to turn your cash back into Ultimate Rewards points that can transfer to hotel and airline partners for free travel. The **Chase Sapphire Preferred** is the lower-tier option, with a $95 annual fee and a $50 hotel credit each year to help offset that cost. It also offers 3x points on dining and 2x on travel, plus 25% more value when booking through the Chase portal.
If you want even more value, perks, and benefits, look at the **Chase Sapphire Reserve**. It has a higher annual fee ($795), but you’ll immediately offset part of that with a $300 travel credit. You’ll also get additional statement credits and various other perks. Both Sapphire cards currently offer 75,000-point sign-up bonuses. However, remember that you can only receive a Sapphire sign-up bonus once every 48 months, so choose wisely if you plan to open one of these cards.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
You won't pay for fraudulent purchases when you report them promptly, with 24/7 fraud monitoring included.
Secondary coverage for theft and collision damage on rentals when you pay with this card and decline the rental company's insurance.
Extends warranties by one year on purchases with 3-year or shorter original warranties, up to 4 years total coverage.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
| 1:1 |
| instant |
| 79% |
| 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 79% | 1.35 cpp |
| 1:1 | instant | 73% | — |
| 1:1 | instant | 67% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | 103% | 1.7 cpp | |
| 1:1 | instant | 42% | 0.7 cpp | |
| 1:1 | instant | 36% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 79% | — |
Chase offers many cards, but we’ll keep things simple if you’re just starting out. In addition to the Freedom Unlimited, there are two other Chase Freedom cards:
- **Freedom Rise** – Similar to the Unlimited, it offers 1.5% cash back on all purchases so you don’t have to worry about categories.
- **Freedom Flex** – Offers 5% back in quarterly rotating bonus categories (e.g., groceries, gym memberships, hair/nail/spa services, or Norwegian Cruise purchases).
Once you’ve tried one of the Freedom cards, consider a Chase Sapphire card if you want to turn your cash back into Ultimate Rewards points that can transfer to hotel and airline partners for free travel. The **Chase Sapphire Preferred** is the lower-tier option, with a $95 annual fee and a $50 hotel credit each year to help offset that cost. It also offers 3x points on dining and 2x on travel, plus 25% more value when booking through the Chase portal.
If you want even more value, perks, and benefits, look at the **Chase Sapphire Reserve**. It has a higher annual fee ($795), but you’ll immediately offset part of that with a $300 travel credit. You’ll also get additional statement credits and various other perks. Both Sapphire cards currently offer 75,000-point sign-up bonuses. However, remember that you can only receive a Sapphire sign-up bonus once every 48 months, so choose wisely if you plan to open one of these cards.
