Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
The Freedom Unlimited is the simplest good Chase card: 1.5% on everything, 3% at restaurants and drugstores, no fee. On its own it is a solid one-card setup, though the Citi Double Cash and Wells Fargo Active Cash pay a flat 2% and beat it on plain spending.
Its real trick is the pairing. Hold it with a Sapphire Preferred or Reserve and its cash back converts to Ultimate Rewards points, which transfer to airlines and hotels. That turns 1.5% into 1.5x points that can be worth more than 2 cents each on the right redemption.
The $200 bonus after $500 in spending is one of the easiest to earn. The 3% foreign transaction fee means it stays home when you travel.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Chase Freedom Unlimited® Credit CardThis card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Citi Double Cash®A flat 2% with no fee and no categories · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
| Chase Freedom Flex® Credit CardThe same 3% categories plus rotating 5% · 5% on gas stations | None | $582 | +$582 | 13th of 1,291 |
| Chase Sapphire Preferred® Credit CardThe card that makes its points transferable · 3x on dining | $95 | $510 | +$415 | 450th of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
Earn 5% on travel purchased through Chase Ultimate Rewards
Earn 3% on dining at restaurants, including takeout and eligible delivery services
Earn 3% on drugstore purchases
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
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 cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Get 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Means you won't be held responsible for unauthorized charges made with your card or account information.
These come from Visa, not from Chase. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
