Freedom
ChaseNo annual feeVisa Signature3% foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend; includes a typical year of rotating 5%, if activated each quarter | +$123 |
| Credits you'll likely useof $80 face value | +$28 |
| Annual fee | $0 |
| First year | $151 |
| Each year after | +$271 |
Not counted in the first year: protections (each year after counts them).
With a Sapphire Preferred: $375 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Rotating categoriesThis quarter: Grocery stores, Dining, American Red Cross. Up to $1,500 a quarter combined; requires activation. | 5% (7.5%) |
| 2X | Lyftthrough 9/30/2027 | 2% (3%) |
| 1X | Everything else | 1% (1.5%) |
Noteworthy perks
- Instacart$40 a year
- DoorDash Grocery/Retail, quarterly$40 a year
Personal card · Earns Chase Ultimate Rewards
Benefits
Credits & Perks (2)
- Instacart coupon: $10 off 1 order (Quarterly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Quarterly coupon for Instacart orders.
- DoorDash Grocery/Retail, quarterly coupon: $10 off 1 order (Quarterly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Quarterly coupon on non-restaurant DoorDash orders with DashPass (activate DashPass with the card by 12/31/29; the coupon continues while you stay enrolled)
Protections (4)
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler and $6,000 per trip for non-refundable passenger fares
- Purchase Protection, up to $500, 120 days coverage for theft/damage/involuntary parting, up to $500 per item
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total). Up to $10,000 per item, $50,000 per account.
- Auto Rental Collision Damage Waiver (secondary), up to $60,000, Secondary coverage up to $60,000 for theft and collision damage on rental vehicles in the US. Primary outside the US or if you have no personal auto insurance.
Other Perks
- Rotating quarterly categories with 5X points on up to $1.5K total spend per quarter (Q1 2026: Norwegian Cruise Line, dining, American Heart Association)
- 6 months complimentary DashPass - activate by 12/31/29
- Points can be combined or transferred to premium Chase cards for better redemption values
- 3 months complimentary Instacart+ membership
The Chase Ultimate Rewards Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to Freedom CardOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from product_change_only to closedSep 24, 2026
- changed from None (Previously available bonuses may no longer apply) to nullJul 28, 2026