Chase Freedom Unlimited
Best flat-rate cashback under $0 annual fee. Pairs perfectly with Sapphire Preferred to convert cashback into points.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 19.99%–28.74%
FairPrice score: 82/100
Rewards
1.5% flat cashback + 5% travel, 3% dining/drugstores
Perks
- 0% intro APR 15 months
- No annual fee
Pros
- No annual fee
- Strong flat-rate on all purchases
- Pairs well with Sapphire
Cons
- 3% foreign transaction fee
- Best value only when paired with a Sapphire card
Best for
- cashback
- no annual fee
- everyday spending
Official source · Last verified 2026-10-04