The Complete Guide to the Citi Double Cash® Card: Unlimited 2% Cash Back, Balance Transfer Benefits, Credit Requirements & Everyday Value
The Chase Freedom Unlimited® is one of the most popular cashback credit cards in the United States. Known for its generous rewards, intro APR offers, flexibility, and powerful earning structure, it is a top choice among first-time cardholders, families, travelers, and anyone seeking a versatile everyday credit card.
With no annual fee, high cashback multipliers, and strong synergy with other Chase cards, Freedom Unlimited consistently ranks among the best cashback credit cards available.
This guide covers everything you need to know about Freedom Unlimited: rewards, benefits, APR, credit score requirements, comparisons, and strategies to maximize earning potential.
Consumers love this card because it offers:
It’s one of the most searched-for credit cards in the U.S. because it provides enormous value without costing anything to own.
This card is perfect for:
Freedom Unlimited works well as both a starter card and a long-term primary card.
Below is the full breakdown of the card’s reward structure and benefits.
Freedom Unlimited earns:
That final 1.5% category is what makes this card unique — most competing cards offer only 1%.
Although marketed as a cashback card, rewards can also be used as Chase Ultimate Rewards® points, which are extremely valuable.
You can use points for:
Paired with a Sapphire Preferred® or Sapphire Reserve®, Freedom Unlimited becomes part of one of the strongest point-earning ecosystems in the world.
This is one of the card’s most attractive features.
Freedom Unlimited frequently offers:
This makes the card ideal for:
Through the Chase Travel Portal, users earn:
This makes Freedom Unlimited one of the strongest no-fee travel cards in the U.S.
The card offers 3% cashback on dining, including:
This category rivals even some premium travel cards.
Earn 3% cashback at:
A major advantage for families and households.
Chase includes:
These benefits are rare for a no-annual-fee card.
To qualify for Chase Freedom Unlimited®, applicants typically need:
Applicants with excellent credit (740+) often receive higher limits and instant approval.
The approval process evaluates:
The application is online, fast, and often provides immediate decisions.
Freedom Unlimited is known for:
When paired with other Chase cards, it becomes part of an elite earning strategy.
Absolutely — here’s why:
Few no-fee cards match this level of value.
It outperforms most flat-rate cards.
Earn 5% on flights, hotels, and rental cars.
These high-spend categories return strong value.
This massively increases point value.
Travel points can be worth far more than cash back.
| Card | Best Feature | Base Rate | Dining | Travel | Ideal For |
|---|---|---|---|---|---|
| Chase Freedom Unlimited | 1.5% on all purchases | ⭐⭐⭐⭐ | 3% | 5% (Chase Travel) | Everyday spenders |
| Citi Double Cash | 2% | ⭐⭐⭐⭐⭐ | 1% | 1% | Simple cash back |
| Wells Fargo Autograph | Travel rewards | ⭐⭐⭐ | 3% travel | 3% dining | Travelers |
| Discover it | Rotating categories | ⭐⭐⭐⭐ | Rotating | Rotating | Bonus category users |
It may not be ideal for:
Yes — especially for:
It’s one of the strongest travel options with no annual fee.
The Chase Freedom Unlimited® is one of the most valuable and versatile no-annual-fee cashback cards in the United States. Its combination of:
…makes it an outstanding choice for beginners, families, and frequent travelers.
For long-term value, everyday spending, and flexible rewards, Freedom Unlimited remains one of the best cashback credit cards on the market.
