Chase Freedom Unlimited Credit Card
The Chase Freedom Unlimited Credit Card has no annual fee and charges a 3% foreign transaction fee 2. It earns 5% cash back on travel purchased through Chase Travel, 3% on dining and drugstores and 1.5% on all other purchases, and Chase lists purchase protection, extended warranty, trip cancellation and secondary rental car coverage 13.
Contents10 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | 3%2 |
| Rewards | Earns 5% cash back on travel purchased through Chase Travel, 3% on dining and drugstores, and 1.5% on all other purchases. |
| Rewards program | Chase Ultimate Rewards |
| Network | Visa |
| Issuer | Chase · Official card page |
What to know about the Freedom Unlimited
Purchases outside the listed categories earn 1.5%, and the 5% travel rate applies only to travel bought through Chase Travel; other travel earns the 1.5% base rate 1. Dining at restaurants, including takeout and eligible delivery services, and drugstore purchases earn 3% 1. Lyft purchases made in the Lyft app earn 2% total through 9/30/2027 1.
Rewards are kept as points, 100 per dollar, worth 1 cent each for cash, gift cards and travel; there is no minimum to redeem, and points do not expire while the account is open 41. Amazon Shop with Points values each point at $0.008 1. Foreign transactions carry a fee of 3% of each transaction amount in U.S. dollars 2.
The shared Freedom Guide to Benefits sets rental car coverage at up to $60,000, secondary in the U.S. unless the renter has no personal auto insurance and primary abroad, for rentals of up to 31 days 3. Purchase protection runs 120 days (90 for New York residents) at up to $500 per item, extended warranty adds one year to U.S. warranties of three years or less, and trip cancellation covers non-refundable passenger fares up to $1,500 per traveler 13. Roadside dispatch is pay-per-use 3.
Earning rewards
| Rate | On |
|---|---|
| 5% cash back | Travel purchased through Chase Travel1 |
| 3% cash back | Dining at restaurants, including takeout and eligible delivery services1 |
| 3% cash back | Drugstores1 |
| 1.5% cash back | All other purchases1 |
| 2% cash back (total) | Lyft rides (promotional)Limited-time: through 9/30/20271 |
Cash back is tracked as points (100 points = $1); points are worth 1 cent each for cash, gift cards and travel, with no minimum to redeem for cash back. Amazon Shop with Points values each point at $0.008. Rewards don't expire while the account is open.41
Travel insurance and assistance
| Rental car coverage | Auto rental collision damage waiver: reimbursement up to $60,000 for theft or collision damage; secondary in the U.S. (acts as primary if you have no personal auto insurance), primary outside the U.S.; rentals up to 31 consecutive days.13 |
|---|---|
| Trip cancellation and interruption | Reimburses pre-paid, non-refundable passenger fares up to $1,500 per covered traveler and $6,000 per trip if a trip is canceled or cut short for a covered reason.13 |
| Travel and emergency assistance | Travel and emergency assistance: legal and medical referrals and other assistance services while traveling; the cardholder pays for any goods or services obtained.1 |
| Roadside assistance | Pay-per-use roadside dispatch (towing up to 5 miles, tire change, battery assistance, lockout, fuel delivery, winching) in the U.S. and Canada for a pre-negotiated per-service fee quoted before dispatch; the fee itself is not covered.3 |
Purchase and phone protection
| Purchase protection | Covers eligible new purchases against damage or theft for 120 days from purchase (90 days for New York residents), up to $500 per item and $50,000 per account.13 |
|---|---|
| Extended warranty | Extends an eligible manufacturer's U.S. warranty of three years or less by one additional year, up to four years from purchase; up to $10,000 per item and $50,000 per account.13 |
Account features
| Zero fraud liability | Zero Liability Protection: not held responsible for unauthorized charges made with the card or account information (does not apply to use by an authorized user without the primary cardmember's approval).1 |
|---|---|
| Free credit score | Free credit score, score improvement plans and identity monitoring through Chase Credit Journey.1 |
Other perks
| Complimentary DashPass for 6 months, then auto-enrolled | 6 months of complimentary DashPass, then automatically enrolled at the current monthly rate; activate by Dec 31, 2027. DashPass members also get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.1 |
|---|
Not listed for this card
The Chase pages and benefit terms we checked for the Freedom Unlimited do not list these benefits:
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Cell phone protection
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Chase, Chase Freedom Unlimited Credit Card | Chase.com Checked Oct 10, 2026 · Back to text ↑
- 2 Chase, Chase Freedom Unlimited Pricing and Terms Checked Oct 10, 2026 · Back to text ↑
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- 4 Chase, Chase Freedom Unlimited with Ultimate Rewards Program Agreement Checked Oct 10, 2026 · Back to text ↑
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