Chase Freedom
Chase, Visa, no annual fee. Earns Chase Ultimate Rewards, valued at 2.00¢ a point.
Rates not yet re-checked against the issuer. Foreign transaction fee: 3% of each purchase abroad.
The short version
- Best at: groceries (#1, $10.00 per $100); dining out (#1, $10.00 per $100).
- A year's rewards: about $265, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $265 a year on the illustrative household's spending, which puts it number 45 of 47 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Groceries, Gas Stations, Restaurants & Bars, Online Shopping, Wholesale Clubs, Public Transit, Streaming, Drugstores, Entertainment, Phone & Internet, Food Delivery, Grocery Delivery, EV Charging, Rideshare & Taxis, Superstores, Home Improvement, Department Stores, Gyms & Fitness | 5x | Only while you have this category switched on. Up to $1,500 per quarter, then the base rate. Rotating category — you must activate it each quarter |
| Everything else | 1x |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #1 of 85 for groceries — $10.00 per $100
- #1 of 85 for dining out — $10.00 per $100
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $60 |
| Everything Else | $60 |
| Restaurants & Bars | $36 |
| Gas Stations | $18 |
| Online Shopping | $18 |
| Utilities | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Points combine with a Sapphire card to unlock transfer partners
Similar cards
- Wells Fargo Autograph — annual fee none
- Bilt Blue Card — annual fee none
- Bilt Mastercard — annual fee none
- American Express Blue Business Plus — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.