We may receive compensation from links and advertisements contained within this post. Our opinions and recommendations are in no way impacted by such compensation.
Last Updated on January 1, 2021
- 1.64% Purchase Yield
- $200 in bonus incentives
- No annual fee
- 3% foreign transaction fees
A decent unlimited 1.5% cash-back credit card with a $200 bonus offer (subject to $500 in new purchases within 3 months of opening an account) and 5% cash-back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
This card also currently offers 5% cash-back on travel purchases through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% on all other purchases.
To sweeten the deal, Chase Freedom Unlimited® Credit Card, is also offering a 0% intro APR for 15 months from account opening on all purchases.
This card has no annual fee but does charge 3% in foreign transaction fees. So, if you plan on traveling outside of the US, we recommend that you consider a similar cash-back card with no foreign transaction fees.
Issuer & Payment Network
Estimated Purchase Yield
Estimated Purchase Yield
Unlimited 1.5% cash back
Bonus Offer Value
$200 cash bonus (requires $500 in new purchases within first 3 months) and 5% cash-back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5% cash-back on travel purchases through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% on all other purchases
Estimated Annual Card Value
Yr 1 @ $5k in Purchases
Yr 1 @ $15k in Purchases
Yr 1 @ $30k in Purchases
Yr 2+ @ $5k in Purchases
Yr 2+ @ $15k in Purchases
Yr 2+ @ $30k in Purchases
Bonus Offer Value plus Ongoing Bonus Value (if any) plus value of rewards at stated annual purchasing level less the annual fee
Airport Lounge Access
Do Points Expire?
No (as long as the account remains open)
Cash, Gift Cards and Statement Credit
Can Points Be Transferred?
Fees & APRs
Foreign Transaction Fees
Late Payment Fee
APR - Intro (Purchases)
0% for first 15 months
APR - Intro (Balance Transfers)
0% for first 15 months + 3% (minimum $5) fee (balance must be transferred within 60 days of account opening)
APR - Cash Advance
24.99% + 5% of each amount or $10 (whichever is greater)
APR - Regular (Purchases)
14.99% - 23.74%
APR - Regular (Balance Transfers)
14.99% - 23.74% + 5% (minimum $5) fee
Protections & Services
Zero Liability Protection
Yes: Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extended Warranty Protection
Yes: Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less
Trip Cancellation / Interruption
Yes: For eligible purchases made with your Chase Freedom Unlimited® credit card, you can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Auto Rental Collision Damage Waiver
Yes: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most card in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Recommended Credit Level
Good+ (FICO Score: 670+)
Link to Issuer Website
Date Information Confirmed
December 21, 2020