Chase Freedom Unlimited® Credit Card
Chase Freedom Unlimited credit card (no annual fee, 1.5% general-purchase rewards)Public welcome offer: $200 cash back
Public offer: earn $200 cash back (20,000 points) after $500 in eligible purchases within the first 3 months of account opening. Current cardholders and former cardholders who received a new-cardmember bonus for this card in the past 24 months are ineligible. Offers vary by application channel. The bonus posts about 6–8 weeks after qualification; the account must be open and not in default at issuance. Balance transfers, cash advances, cash-equivalent transactions, gambling, interest, fees and unauthorized transactions, among other exclusions, are not eligible purchases.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Standard offer ($200 cash back / $500 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details6 records
Decision considerations
The source records channel and promotional changes for CFU over the past 365 days: a rare $300 winter public offer lasted 35 days with a $500 requirement; spring referrals offered $250; and branches offered $200 plus first-year 5% grocery and gas rewards, capped at $12k, from May. The source records the official site at the standard $200 level and recommends checking a nearby Chase branch for a branch-specific offer.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/09/16–2025/12/10 | $200 cash back (20,000 UR points) | $500 in the first 3 months | Standard offer: spend $500 in the first 3 months after account opening to earn $200 cash back (20,000 points). |
| 2025/12/11–2026/01/15 | $300 cash back (historical high) | $500 in the first 3 months | Winter limited-time promotion lasting 35 days: the spending requirement remained $500 while the welcome reward rose to $300 (30,000 points), the source-recorded annual public-offer high. |
| 2026/01/15–2026/03/13 | $200 cash back | $500 in the first 3 months | Return to the standard offer: spend $500 to earn $200 cash back. |
| 2026/03/14–2026/04/30 | $250 cash back (referral-link offer) | $500 in the first 3 months | Spring referral-specific offer lasting 47 days: apply through a referral link to earn $250 cash back (25,000 points) with a $500 spending requirement. |
| 2026/05/01–2026/08/31 | $200 cash back | $500 in the first 3 months | Standard offer: spend $500 in the first 3 months to earn $200. From May, the source records a branch-channel offer with first-year 5% gas and grocery bonus rewards, capped at $12,000 in spending. |
| 2026/09/01–present (browsing as of )Original record: 2026/09/01–2026/09/16 (check date)Current record | $200 cash back (20,000 UR points) | $500 in the first 3 months | Source-recorded public standard offer: spend $500 in the first 3 months to earn $200 (estimated value $200; the source also records branch versions with additional 5% gas and grocery rewards). |
Card features and benefits
- 1.5% Cash Back on All Other PurchasesOther eligible net purchases earn unlimited 1.5% rewards. Refunds are deducted. Balance transfers, cash advances, cash-equivalent transactions, gambling, account-access checks, interest, fees and unauthorized transactions earn no rewards. Rewards are recorded as points; redemption options do not all have the same value.
- 3% Cash Back on Dining & DrugstoresEligible restaurant purchases, including takeout and eligible delivery, and drugstore purchases earn a total of 3% rewards, not an additional rate. Merchant classification determines eligibility; third-party payments may not earn bonus rewards if the category cannot be identified.
- 5% Cash Back on Travel via ChaseEligible travel purchased with this card through Chase Travel earns a total of 5% rewards. This rate does not apply to all payments made directly to travel merchants.
- 0% Intro APR for 15 MonthsPurchases and balance transfers receive a 0% introductory APR for the first 15 months after account opening, offering flexibility for larger purchases and balance management.
- No Annual Fee & Essential for Chase TrifectaThe card has no annual fee, and earned cash back (UR points) does not expire. The source recommends it for general purchases as part of a Chase Trifecta.
Protections and partner benefits
- DashPass Membership & $10 Quarterly PromoFirst activation during 2025/02/01–2027/12/31 provides 6 months of free DashPass, then automatic renewal at the prevailing monthly price unless canceled. Enrollment requires a U.S. address, this card as the default and checkout payment card, and an account in good standing. Third-party wallets are ineligible. Eligible orders must meet minimum subtotals; taxes, tips and other fees are extra. Members may use up to $10 off one eligible non-restaurant DoorDash order each calendar quarter through 2027/12/31. Gift cards are excluded; unused balances are not retained or carried into another quarter, and the discount is not cash.
- Trip Cancellation / Interruption InsuranceThe source lists trip cancellation and interruption coverage, uncommon for a no-annual-fee card: if illness or severe weather cancels or interrupts a trip, coverage of prepaid airfare and lodging is up to $1,500 per traveler and $6,000 per trip.
- Secondary Auto Rental Collision Damage WaiverSecondary rental collision coverage covers vehicle theft and collision damage. The source describes coverage as secondary in the United States and primary for rentals outside the United States.
- Purchase Protection & Extended WarrantyPurchase protection covers accidental damage or theft within 120 days, up to $500 per item. Extended warranty adds one year to original manufacturer warranties of 3 years or less.
- Travel and Emergency Assistance & Roadside DispatchEmergency medical and legal referrals are available while traveling. Roadside dispatch, such as towing or tire assistance, can be requested; resulting service costs are paid by the cardholder.