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Spend $500. Earn a $200 Bonus.

Updated on October 13, 2026

Spend $500.Earn a $200 Bonus.

in your first 3 months from account opening

That's it.

  • 0% Intro APR on Balance Transfers for 15 months
  • No Annual Fee

on Chase's secure site

0% Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.49% - 27.99% Variable

No Annual fee

Why we rate this a top card?

Because you can earn $200 — and get over a year with no interest.

The Chase Freedom Unlimited® card offers an easy $200 bonus, and gives you a long 0% intro APR period—so you can pay down balances or make purchases without interest adding up for over a year.

Key Benefits

1

0% Intro APR for Over a Year

Enjoy over a year of 0% intro APR to pay down balances or finance purchases without interest.

0% Intro APR for 15 months
2

$200 Bonus With $500 Spend

Earn a $200 bonus after spending just $500 in your first 3 months—one of the easiest bonuses to unlock.

$0 annual fee
3

Unlimited Cash Back on Everything

Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.

Top cards are built on perks—and this one is in a class of its own. You earn on everything—with no annual fee. The Chase Freedom Unlimited® card gives you unlimited 1.5% cash back on every purchase, all with a $0 annual fee—making it an easy, everyday card that keeps delivering.

Recommended Credit Score

  • Poor
  • Fair
  • Good
  • Excellent