Chase Freedom Unlimited® is currently offering its biggest welcome bonus ever - Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening. Plus, unlimited cash back across everyday categories with no annual fee.
Most cash back cards sound great at first, until you realize you have to keep up with categories, caps, and little rules that make it harder than it needs to be. Chase Freedom Unlimited® is the opposite. It’s the kind of card you can actually use for real day-to-day life and still feel like you’re getting rewarded every time you swipe.
A 50% bigger welcome bonus than the usual offer
The usual public offer for this card is $200, so the current $300 welcome bonus is a 50% increase. That kind of jump is a big deal for a no-annual-fee cash back card, delivering value that rivals some benefits of premium cards but without the annual fee.
That’s also why this limited-time offer is worth a look:
Limited Time Offer: Limited Time Offer: Earn a $300 Bonus after you spend $500 on purchases in your first 3 months from account opening.That is a super low spend requirement for a no-annual-fee card, which makes the bonus feel actually achievable.
Expert Tip: One of the smartest cash back strategies is to route normal expenses through the card for a month or two, like groceries, utilities, streaming services, and insurance, then pay the statement in full.
Disclosure: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain.
What Changed
Key Highlights
The welcome offer is the attention-grabber, but the day-to-day earning is what makes this card easy to keep long-term.
Here’s what you earn on purchases:
5% cash back on travel purchased through Chase Travel℠
3% cash back on dining at restaurants, including takeout and eligible delivery services
3% cash back on drugstore purchases
1.5% cash back on all other purchases
That 1.5% flat rate is a bigger deal than it sounds. Most people swipe the majority of their spending in “other” categories that earn only 1% or less with basic credit cards.
But with Chase Freedom Unlimited®, even your random purchases still earn a strong cash back rate. For example, say your non-bonus spending totals around $2,000 a month. That’s $24,000 a year. At 1.5%, that alone earns $360 cash back per year. Combine that with the welcome bonus, and this card can deliver real immediate value.
Who It’s Best For
People who want simple, automatic cash back without tracking rotating categories
Anyone with a lot of everyday “other” spending who wants 1.5% back instead of settling for 1%
Cardholders who want a strong no-annual-fee card that still covers dining, drugstores, and travel booked through Chase Travel℠
Potential Drawbacks
This card is strong, but it’s not perfect.
Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.
Balance transfer fee: Intro fee of $5 or 3% within the first 60 days, then $5 or 5% after that.
Interest costs can add up if you carry a balance beyond any intro APR window.
Chase lists a 0% Intro APR for 15 months on purchases and balance transfers, then an 18.49%-27.99% variable APR based on creditworthiness and other factors.
Expert Tip: A bonus feels great, but interest lasts longer. If you cannot pay in full most months, it’s usually better to focus on a payoff plan first, then come back for rewards.
Our Expert Takeaway
This offer is simple, realistic, and valuable. A $300 bonus for just $500 in spending is a rare combo, especially with no annual fee.
Expert Tip: For maximizing cash back, aim to earn the bonus with normal spending, redeem your cash back, and keep using the card for the purchases that do not earn higher rewards elsewhere.
The Bottom Line
If you’re planning to spend more during the holidays, now’s the time to compare credit cards offering high rewards and generous welcome bonuses. One standout is the Chase Freedom Unlimited®, which lets new cardholders earn a $300 bonus after spending $500 in the first 3 months — a strong value for everyday purchases like gifts, groceries, and travel. The card also earns 1.5% cash back on everything you buy, with even higher rates on dining and drugstores. Plus, it comes with a 0% Intro APR on purchases and balance transfers for 15 months— 18.49%-27.99% variable APR thereafter—helping you manage holiday costs interest-free for a limited time.
Disclaimer: AI was used in the creation of this content, along with human validation and proofreading.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
