Chase Freedom Unlimited

Earn a $250 cash bonus when you spend $500 on purchases within your first 3 months of account opening. The bonus posts to your account as cash back you can redeem for statement credits, direct deposits, or gift cards. You must meet the spending threshold within the 3-month window to qualify.

Earn 5% cash back on travel booked through Chase Travel (chase.com/travel or the Chase mobile app). Flights, hotels, car rentals, and more all qualify at this rate. Travel booked directly with airlines or hotels earns at the standard base rate instead.

Earn 3% cash back on purchases made at drugstores. The rate applies automatically when you use your card at qualifying drugstore merchants, with no enrollment or activation required.

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.

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.

Active DashPass members get up to $10 back per quarter as a statement credit on non-restaurant DoorDash orders — like grocery, convenience, or pet supply deliveries. Just pay with your card and the credit posts automatically. This perk is available through Dec 31, 2027.

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.

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.

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.

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.

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.

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.

Cardholders can activate 6 months of complimentary DashPass membership, which unlocks $0 delivery fees and reduced service fees on eligible DoorDash and Caviar orders. You must activate through the DoorDash app before Dec 31, 2027 — the 6-month clock starts at activation.

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.

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.