Chase Freedom Unlimited

Is the annual fee worth it?

No annual fee, so everything it earns is kept: about $916 a year on the illustrative household's spending, which puts it number 2 of 38 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.

Where it ranks

Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:

• #1 of 68 for drugstores — $6.00 per $100
• #2 of 68 for dining out — $6.00 per $100
• #2 of 68 for food delivery — $6.00 per $100

Where a year's rewards come from

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.

Protections and travel benefits

From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.

• Purchase protection — up to $500 per claim · 120 days
• Extended warranty

What the issuer lists besides rewards

• Points combine with a Sapphire card to unlock transfer partners
• Purchase protection up to $500 per claim for 120 days after you buy
• Extended warranty adds a year to manufacturer warranties of three years or less

Similar cards

• Wells Fargo Autograph — annual fee none
• Bilt Mastercard — annual fee none
• American Express Blue Business Plus — annual fee none
• Citi Custom Cash — annual fee none
• Every travel card, ranked
• The best two- and three-card combinations