If you’re looking for an easy, no-hassle credit card to get started with, this card is a solid pick. A credit score of 670 or higher is recommended, so this might be a good way to help improve a lower score, or for a student who needs to build credit.
What to know about the Chase Freedom Unlimited®
Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening.
The offer ends at 9:00 AM EST on January 15, 2026
Even though they advertise it as $300 cash back, what you’re really earning is 30,000 Chase Ultimate Rewards® points. Here’s the cool part—if you pair this card with something like the Chase Sapphire Preferred® Card or the Ink Business Preferred® Card, you can transfer those points and get way more value, especially if you’re into travel. It’s an easy way to stretch your rewards much further.
No annual fee means you’re not stuck paying just to have the card. Plus, it’s great if you’re trying to build or boost your credit score. Just keep in mind, it will count toward Chase’s 5/24 rule (meaning if you’ve opened five cards in the past 24 months, you might not get approved).
Perks you’ll get with the Freedom Unlimited®:
- 5% back on travel booked through Chase Travel℠
- 3% back at restaurants, including takeout and eligible delivery service and drugstores
- 1.5% back on everything else
- Extended warranty protection—adds an extra year to eligible warranties
- Trip cancellation/interruption insurance—up to $1,500 per person (or $6,000 per trip) back if your trip gets canceled for covered reasons like sickness or bad weather
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% – 27.99%.
These points are some of my favorite, but for me personally I would only take a slot in the 5/24 for this card if I needed to build my credit, or I have already opened many cards over the years and therefore have room in my 5/24 for a 30,000 point card.
Learn how to apply
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