You selected the Chase Freedom Unlimited®. Great choice — this is the most versatile cashback card available. Before you apply, here’s everything you need to know.
💰 How You Earn Cashback
3% → Dining at restaurants (including takeout & delivery)
3% → Drugstore purchases
1.5% → Everything else (no limits, no categories to track)
🎁 Welcome Bonus Details
Earn $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
That’s your normal spending — groceries, gas, bills. No special purchases needed.
👍 Pros & Cons
- No annual fee — ever
- 1.5% on everything (no categories to track)
- 5% on travel, 3% on dining & drugstores
- Easy welcome bonus ($500 spend)
- 0% intro APR for 15 months
- No minimum to redeem cashback
- 3% foreign transaction fee
- Requires good credit (670+)
- No bonus categories beyond dining/drugstores
📋 Who Can Apply
Income: Regular income required
Citizenship: U.S. citizen or permanent resident
Age: 18+ (19+ in some states)
💵 How to Redeem Your Cashback
Your cashback is earned as Chase Ultimate Rewards® points. You can redeem them:
- Statement credit — apply directly to your balance
- Direct deposit — transfer to your bank account
- Gift cards — popular retailers available
- Travel — book through Chase Travel℠
No minimum redemption amount. Your rewards never expire as long as your account is open.
Ready to Apply?
Application takes about 5 minutes. Most applicants get an instant decision.
Andrew Brooks is a qualified writer and researcher with experience producing clear, trustworthy content on topics such as personal finance, lifestyle optimization, consumer insights, productivity, and informed decision-making. With an approachable yet professional tone, he focuses on turning complex information into practical, easy-to-understand guidance that helps readers make smarter choices with confidence.