Chase · courtesyChase Freedom Unlimited® Credit Card
$0/ year
VisaUltimate Rewards valued at 1.5¢/ptRecent changes: Current annual fee: $0. Previous: N/A (always $0). First-year waived: N/A (no annual fee at all). New vs existing: same — $0 annual fee for all cardmembers.
Benefits, itemized
11 tracked · published maximums — realized value depends on enrollment and timing.1.5% Cash Back on All Purchases
AccessUnlimited 1.5% cash back or more on all purchases
Terms & eligibility
ongoing
Government source · Aug 24, 2026Included
3% Cash Back on Dining and Drugstores (1.5% additional)
Access3% cash back total on drugstores and dining at restaurants including takeout and eligible delivery services (1.5% additional Cash Back on top of the 1.5% base earn)
Terms & eligibility
ongoing
Government source · Aug 24, 2026Included
5% Cash Back on Travel via Chase Travel (3.5% additional)
Access5% cash back on travel purchased through Chase Travel (3.5% additional on top of 1.5% base)
Terms & eligibility
Must book through Chase Travel portal
Government source · Aug 24, 2026Included
2% Cash Back on Lyft Purchases (0.5% additional) through 9/30/2027
Access2% cash back total on qualifying Lyft products and services purchased through the Lyft mobile application through 09/30/2027 (0.5% additional on top of 1.5% base)
Terms & eligibility
Lyft app purchases only
Government source · Aug 24, 2026Included
Complimentary 6 Months of DashPass (DoorDash)
Credit6 months complimentary DashPass for use on both DoorDash and Caviar applications
Terms & eligibility
Chase Freedom Unlimited cardholder; first-time activation only; cannot have had DashPass in past 12 months typically (per DoorDash terms)
Government source · Aug 24, 2026Included
Trip Cancellation and Interruption Insurance
ProtectionReimbursed up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares
Terms & eligibility
Coverage terms apply; see Guide to Benefits
Government source · Aug 24, 2026Up to
$6,000
on_demand
Purchase Protection
ProtectionCovers eligible new purchases for 120 days
Terms & eligibility
Coverage terms apply
Government source · Aug 24, 2026Included
Extended Warranty Protection
ProtectionExtends manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from date of purchase
Terms & eligibility
Manufacturer's U.S. warranty of 3 years or less
Government source · Aug 24, 2026Included
Auto Rental Coverage (Secondary)
ProtectionDecline the rental company's collision insurance and charge the entire rental cost to your card; reimbursement for theft and collision damage. In the U.S., coverage is secondary to your personal insurance.
Terms & eligibility
Must decline rental company's CDW; must charge entire rental cost to card
Government source · Aug 24, 2026Included
Zero Liability Protection
ProtectionYou won't be held responsible for unauthorized charges made with your card or account information
Terms & eligibility
Subject to timely reporting
Government source · Aug 24, 2026Included
0% Intro APR for 15 Months on Purchases and Balance Transfers
Access0% intro APR for 15 months from account opening on purchases and balance transfers; thereafter variable APR 18.24% (Min. of Prime+11.49 and 29.99%) - 27.74% (Min. of Prime+20.99 and 29.99%)
Terms & eligibility
Subject to credit approval; balance transfer fee applies
Government source · Aug 24, 2026Included
Downgrade paths
Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.
Move to Chase Sapphire Preferred® Card (Upgrade path — not downgrade)
$95/yr
Issuer-documentedRetained value not quantifiedExisting Freedom Unlimited cardmembers; Chase product change stays within the same credit card family — Sapphire is upgrade target from Freedom. Cardmembers may be able to upgrade if they have had their card for at least a year and at least a $10,000 credit limit (per Chase upgrade guide for Sapphire Reserve). Account open ≥1 year; credit limit typically ≥$10,000 for Sapphire; subject to credit approval
Government source · Aug 24, 2026Move to Chase Sapphire Reserve® (Upgrade path — not downgrade)
$550/yr
Issuer-documentedRetained value not quantifiedExisting Freedom Unlimited cardmembers; Chase product change to Sapphire Reserve requires card open ≥1 year and credit limit ≥$10,000 (per Chase upgrade guide). Account open ≥1 year; credit limit ≥$10,000; subject to credit approval; cannot have received a Sapphire Reserve new account bonus in past 48 months
Government source · Aug 24, 2026Move to Chase Freedom Flex℠ (Side-grade within Freedom family)
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Freedom Unlimited cardmembers; product change via Chase customer service or online (within Freedom family) Account in good standing
Government source · Aug 24, 2026
Recent retention offers
No verified recent data available.
We only show retention data when there are enough community datapoints to be useful. Nothing meets that bar for this card yet.
Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.
Information is provided for educational and decision-support purposes and may change. Always confirm current terms, benefits, eligibility, fees, and offers directly with Chase.