Freedom Unlimited Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Freedom Unlimited earns 5.0X on chase_travel, 3.0X on dining, 3.0X on drugstores, 1.5X on all_purchases with a $0 annual fee. The current signup bonus is $200 cash back (worth $200 at portal rates) after $500 spend.
3.9/5
Overall
5.0/5
Rewards
3.5/5
Benefits
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| chase_travel | 5X pts/$ | 5.00¢ | Varies |
| dining | 3X pts/$ | 3.00¢ | Varies |
| drugstores | 3X pts/$ | 3.00¢ | Varies |
| all_purchases | 2X pts/$ | 1.50¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Signup Bonus Value
$200 cash back CHASE Points
Spend $500 in first 3 months
Cash / statement credit$200
Maximum value$200
Benefits
Trip Cancellation/Interruption Insurance
$1,500
Auto Rental Coverage (Secondary)
Included
Purchase Protection
$500
Extended Warranty Protection
Included
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CHASE and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- Signup bonus worth up to $250
- 5X top earn rate on bonus categories
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
Who This Card Is For
Foodies & Diners
Bonus earning on restaurants and delivery
International Travelers
No foreign transaction fees
Fee-Conscious Spenders
No annual fee to offset
Frequent Travelers
Bonus earning on travel purchases
Frequently Asked Questions
What credit score is needed for the Freedom Unlimited?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Freedom Unlimited?
The current signup bonus is $200 cash back. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.