chase

CHASE FREEDOM UNLIMITED

visa

Chase

Chase Freedom Unlimited

No annual fee · 20,000 point signup bonus · everyday spending, no annual fee, UR ecosystem starter

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Quick Stats

Annual Fee

Signup Bonus

20,000 pts

Spend Requirement

$500 in 3mo

Foreign Transaction Fee

Yes

Credit Score

good

Currency

Earning Rates

brand portal5x

dining3x

drugstores3x

groceries1.5x

gas1.5x

other1.5x

online shopping1x

Travel portal value

Worth 1¢ per point when booking through Chase's travel portal

1¢/pt

Transfer Partners

Chase Ultimate Rewards

Airlines

United MileagePlus

UA·Star Alliance

1:1

instant

Southwest Rapid Rewards

1:1

instant

British Airways Avios

BA·oneworld

1:1

instant

Air Canada Aeroplan

AC·Star Alliance

1:1

instant

Singapore KrisFlyer

SQ·Star Alliance

1:1

12-24 hours

Emirates Skywards

1:1

instant

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

Iberia Avios

IB·oneworld

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

JetBlue TrueBlue

1:1

instant

Hotels

World of Hyatt

1:1

instant

IHG One Rewards

1:1

instant

Marriott Bonvoy

1:1

1-2 days

Perks & Benefits

1.5x base earning on everything
5x on Chase travel portal
3x on dining and drugstores
0% intro APR 15 months
Points transfer to Sapphire cards

The Verdict

4/5

ByEllis Church·Mar 11, 2026

The best no-fee everyday card — 1.5x on everything feeds the Chase points machine.

The CFU is the backbone card of any Chase portfolio. It won't win headlines, but 1.5x on literally everything — with no annual fee — quietly earns more points than most category cards. Pair it with a Sapphire Preferred or Reserve and every dollar you spend becomes transferable to Hyatt, United, and Southwest. If you're only going to have two Chase cards, make this one of them.

Pros

1.5x on everything with no annual fee is the strongest flat-rate earning in the UR ecosystem
3x on dining and drugstores adds bonus earning where it counts
Points pool with any Sapphire card, unlocking transfer partners and portal boosts
0% intro APR for 15 months makes it a solid option for large purchases
5x on Chase Travel portal bookings when paired with a Sapphire card

Cons

Foreign transaction fee (3%) makes it a bad choice for international travel
No transfer partner access on its own — needs a Sapphire card to unlock full value
1.5x is good but not spectacular in any single category
Signup bonus is modest (20K points) compared to Sapphire cards