Freedom Unlimited
ChaseNo annual feeVisa Signature3% foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
$200
after $500 in purchases in the first 3 months
Lower than the $300 offer we last recorded in January 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$41 |
| DoorDash Grocery/Retail, quarterlyof $40 face value | +$9 |
| Annual fee | $0 |
| Meeting the $500 minimumearns 1.5% here vs 2% on Double Cash | −$3 |
| First year | $247 |
| Each year after | +$170 |
Not counted in the first year: protections (each year after counts them).
With a Sapphire Preferred: $302 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 3% (4.5%) |
| 5X | Travel booked through Chase Travel | 5% (7.5%) |
| 3X | Drugstores | 3% (4.5%) |
| 2X | Lyftthrough 9/30/2027 | 2% (3%) |
| 1.5X | Everything else | 1.5% (2.2%) |
Noteworthy perks
- DoorDash Grocery/Retail, quarterly$40 a year
Personal card · Earns Chase Ultimate Rewards
Benefits
Credits & Perks (1)
- 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 person, $6,000 per trip for pre-paid, non-refundable travel expenses
- Purchase Protection, up to $500, 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
- Auto Rental Collision Damage Waiver (secondary), up to $60,000, Secondary coverage up to $60,000 for theft and collision damage on rental vehicles
Other Perks
- Complimentary DoorDash DashPass for 6 months upon activation
- Can combine points with a premium Chase card (Sapphire Preferred, Sapphire Reserve, Ink Business Preferred) to transfer to airline/hotel partners or redeem for higher value through Chase Travel
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 UnlimitedOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026