Chase Freedom Unlimited Benefits, Credits & Annual Fee

• DoorDash Non-Restaurant Order Quarterly Credit$10 / qtrTrackable

  Get $10 off one qualifying non-restaurant DoorDash order each calendar quarter. Activate your card’s DashPass membership, then apply the discount at checkout on an eligible order. You must remain enrolled in DashPass to use the discount.

  Resets: QuarterlyChecked Sep 27, 2026

Travel Benefits

• Chase Travel Rewards Booking

  Use your rewards when booking travel through Chase Travel. Search for a trip there and choose an available way to pay at checkout. This booking option applies to travel purchased through Chase Travel.

  Checked Sep 27, 2026

Rental Car

• Auto Rental Coverage

  Decline the rental company's collision insurance and charge the full rental cost to your card to get reimbursement for theft and collision damage on most rental vehicles. In the U.S., this coverage is secondary, meaning it kicks in after your personal auto insurance pays out.

  Checked Sep 27, 2026

Travel Insurance

• Travel and Emergency Assistance

  When you're traveling away from home and run into a problem, you can call to get referrals to legal and medical services or access other emergency travel assistance. The service connects you with help, but you're responsible for paying the cost of any services or goods you use.

  Checked Oct 7, 2026
• Trip Cancellation and Interruption Insurance

  Get reimbursed for pre-paid, non-refundable travel fares if your trip is canceled or cut short due to sickness, severe weather, or other covered reasons. Coverage is up to $1,500 per covered traveler and $6,000 per trip. The trip must be paid for with your card to qualify.

  Checked Sep 26, 2026

Bonus Earnings

• 5% Cash Back on Travel via Chase Travel5%

  Earn 5% cash back on travel booked through Chase Travel (chase.com/travel or the Chase mobile app), including flights, hotels, car rentals, and more.

  Checked Sep 14, 2026
• 3% Cash Back on Dining and Drugstores3%

  Earn unlimited 3% cash back on dining and drugstore purchases. The rate applies automatically at qualifying merchants with no enrollment required.

  Checked Sep 14, 2026
• 2% Cash Back on Lyft Rides2%

  Earn 2% cash back on Lyft rides when you pay with your Freedom Unlimited card - that's an extra 0.5% on top of the standard 1.5% you already earn on all purchases. Link your card to your Lyft account to make sure the rate applies. This bonus rate is available through September 30, 2027.

  Checked Sep 26, 2026
• 1.5% Cash Back on All Other Purchases1.5%

  Earn 1.5% cash back on every purchase that doesn't fall into a higher-rate category. There's no cap on how much you can earn, and the rate applies automatically with no enrollment required.

  Checked May 22, 2026

Purchase Protection

• Zero Liability Protection

  You won't be held responsible for unauthorized charges made with your card or account information. If you spot a charge you didn't make, report it to Chase and you won't owe that amount.

  Checked May 22, 2026
• Purchase Protection

  New purchases charged to your card are covered against damage or theft for 120 days from the purchase date. File a claim to get reimbursed up to $500 per item. Coverage applies to eligible purchases only; check your benefits guide for exclusions.

  Checked Sep 26, 2026
• Extended Warranty Protection

  Get one extra year added to the original U.S. manufacturer's warranty on eligible items you buy with your card. This applies to warranties of three years or less, extending coverage up to a total of four years from the purchase date.

  Checked Sep 27, 2026

Concierge & Membership

• Free DoorDash DashPassEnrollment required

  Get six months of DashPass at no cost, good on both DoorDash and Caviar. Activate it with your Freedom Unlimited card, and the six months start on your first activation date. You must activate by December 31, 2027.

  Checked Oct 7, 2026

Fees & Miscellaneous

• No Annual Fee

  Pay no annual fee to keep your Chase Freedom Unlimited card. You can use the card without a yearly membership charge. Other charges, such as interest or transaction fees, may still apply.

  Checked Sep 27, 2026
• Refer-a-Friend Cash Back$500 / yr

  Earn $50 cash back for each friend you refer who is approved for a participating Chase Freedom card. Share your personal referral link to get credit. You can earn up to $500 cash back per calendar year this way.

  Checked Sep 26, 2026
• Amazon Shop With Points

  Use cash back rewards to pay for all or part of eligible Amazon.com orders, including tax and shipping. Link your card to your Amazon.com account, then apply rewards at checkout. Only eligible orders qualify for this redemption option.

  Checked Sep 27, 2026
• Chase Offers

  Get statement credits from targeted Chase Offers. Activate an available offer in the Chase Mobile app or on chase.com, then shop with the card on which you activated it. Offers vary by cardholder, and credits generally arrive within 30 days.

  Checked Oct 7, 2026
• Foreign Transaction Fee3% / yr

  A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.

  Checked Sep 26, 2026
• Gift Card Redemptions

  Use your rewards for gift cards and certificates. Choose from available shopping, dining, entertainment, and other options when you redeem your rewards. Selection depends on the gift cards and certificates available at redemption.

  Checked Sep 27, 2026
• 0% Intro APR on Purchases and Balance Transfers

  New cardholders pay 0% interest on purchases and balance transfers for the first 15 months after account opening. After that, a variable APR of 18.24%-27.74% applies. Balance transfers must be made within the intro period to qualify.

  Checked Sep 27, 2026
• Chase Credit Journey - Credit Score and Identity Restoration

  Chase Credit Journey gives you free, unlimited access to your credit score without affecting it. You also get a personalized improvement plan powered by Experian and free identity monitoring - all at no cost as a cardholder.

  Checked May 22, 2026