2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

Earn a $200 Bonus and Pay 0% Intro APR Until Nearly 2028

• Earn a $200 Bonus after spending only $500 on purchases in your first 3 months from account opening.
• Long intro period with no interest on both purchases and qualifying balance transfers.
• Earn up to 5% cash back with no annual fee!

Updated July 6, 2026

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on Chase's secure website

Rates and fees

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on Chase's secure website

Rates and fees

You might think you have to choose between a long intro interest-free runway and a serious rewards rate. With the Chase Freedom Unlimited^® (Rates and fees), you don't. This card offers a 0% intro APR on purchases and balance transfers for 15 months (then 18.24% - 27.74% Variable). Enjoy a $0 annual fee, plus earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Annual Fee

$0

Rewards Rate

1.5% - 5% Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Cash Back

Why We Like It

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• An astoundingly powerful card that can help you get out of debt or finance large purchases with 0% intro APR for 15 months on balance transfers and purchases (Then APR is 18.24% - 27.74% Variable)
• Multiple ways to earn cash back with 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases
• No annual fee, and the recipient of the FinanceBuzz 2026 best overall pick in the 0% Intro APR and Rewards category

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on Chase's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

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on Chase's secure website

Rates and fees

What You Need To Know

The Chase Freedom Unlimited^® makes a great everyday spending card — especially for travel, drugstore, and dining purchases — and it's packed with excellent benefits, including a $0 annual fee. Beyond the ability to earn lucrative cash back rewards while taking a break from interest until nearly 2028. Plus, you can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Benefits and perks:

• Generous Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• Long intro period with no interest: Enjoy 0% intro APR on purchases and balances transfers for 15 months.  Then APR is 18.24% - 27.74% Variable.
• Earn powerful cash back year-round: 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
• Lyft and DoorDash perks: You get 2% total cash back on Lyft rides through September 2027 and a free DashPass membership for six months (activate by December 31, 2027).
  
• Trip cancellation and interruption insurance: Helps cover you if your trip is canceled, you're too sick to go, or severe weather conditions occur. 
  
• No annual fee: Keep even more money in your wallet — with the Chase Freedom Unlimited^®, the annual fee is simply $0.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Click here to apply online for the Chase Freedom Unlimited^®

INCREDIBLE

OFFER!

$200 Bonus + Up to 5% Cash Back

Earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening.

Plus, enjoy 0% intro APR for 15 months on both purchases and balance transfers (then 18.24% - 27.74% Variable APR).

APPLY NOW

Member FDIC

Sponsored

How The Chase Freedom Unlimited^® Stacks up

With its high-rate cash back and generous welcome bonus, our experts think the Chase Freedom Unlimited^® (Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.

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Chase Freedom Unlimited®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Reward Rate Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

1.5% - 5% Cash Back

Welcome bonus Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

$200 Bonus

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.24% - 27.74% Variable

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Discover it® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Issuer's secure website

Rates and fees

Reward Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cash back

Welcome bonus INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cashback Match™

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

17.49% - 26.49% Variable

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Apply Now

Bank of America® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

Reward Rate Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum

1% - 6% Cash back

Welcome bonus Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200

Intro APR

Purchases:
0%, 15 billing cycles

Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.49% - 27.49% Variable

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Bottom Line: Who Is This Card Best For?

The Chase Freedom Unlimited^® is a great choice for anyone who:

• Has good to excellent credit: The Chase Freedom Unlimited^® is a good choice for applicants with a credit score of 670+.
• Likes to travel: Thanks to the ability to earn 5% on travel purchased through Chase Travel℠ and the added travel protections, this card is a great pick if you travel at least a few times a year. While the max reward rate is limited to purchases made through Chase Travel, it is an easy-to-use platform that offers solid deals on hotels, flights, rental cars, cruises, activities, and tours. Plus, you can use your card, rewards, or a combination of both to make travel purchases.
• Wants to pay off a large purchase over time or pay down high-interest debt: Whatever your financial goals, the Chase Freedom Unlimited^® is a versatile card offering 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.74% Variable.
• Has another Chase card: While the Freedom Unlimited earns cash back by default, those rewards are actually earned as flexible Ultimate Rewards points. This means you can transfer them to a premium Chase travel card like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® to unlock additional redemption options. This includes booking travel through the Chase portal at an elevated value or transferring to airline and hotel partners.

Click here to apply now and pay an intro 0% APR until 2027

2026 AWARD WINNER Best for 0% Intro APR and Rewards

Chase Freedom Unlimited^®

Benefits Card Details

• Base rewards rate of 1.5%
• $0 annual fee
• Ability to transfer cash back to other Ultimate Rewards cards
• Intro APR offers for purchases and balance transfers
• Apply Now

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Read Card Review

Intro Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

+ -

Why we like it

• With no annual fee, the Chase Freedom Unlimited^® card is a powerful rewards credit card. It has an easy-to-earn and potentially lucrative welcome offer for new cardholders.

• When spending with this card, you can earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

• It's a fantastic everyday use card - you'll earn at least 1.5% cash back whenever you shop.

• Apply Now

Other Cards You Might Like:

The Chase Freedom Unlimited^® is hard to beat with its extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:

Excellent for high-rate cash back categories

Discover it^® Cash Back

Apply Now

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Issuer's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

17.49% - 26.49% Variable

Annual Fee

$0

Rewards Rate

1% - 5% Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Cash back

Why We Like It

• Our Take: A multi-benefit card that lets you finance big purchases or get out of debt with 0% intro APR on purchases and balance transfers for 15 months (then APR is 17.49% - 26.49% Variable.)
• Multiply Your Cash Back: In addition to the Intro APR, Discover will match all the cash back you’ve earned at the end of your first year. For example, if you earn $500 in cash back during the first year, you'll get $500 matched to your account.
• Annual Fee: None! And there's no foreign transaction fee, either.

Apply Now

on Issuer's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
• Redeem cash back for any amount. No annual fee.
• Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

Apply Now

on Issuer's secure website

Rates and fees

2026 AWARD WINNER Best Cash Back & Rewards Card Revamp

Bank of America^® Customized Cash Rewards credit card

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4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

Intro APR

Purchases:
0%, 15 billing cycles

Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.49% - 27.49% Variable

Annual Fee

$0

Rewards Rate

1% - 6% Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum

Cash back

Why We Like It

• Our Take: A straightforward cash-back card that pairs everyday rewards with an intro APR to help manage purchases or balances — enjoy 0% intro APR for 15 billing cycles on qualifying balance transfers and purchases. (Then APR is 17.49% - 27.49% Variable)
• Welcome Bonus: Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Annual Fee: None — and you'll be able to earn solid cash back.

Apply Now

on Bank of America's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
• Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
• This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Apply Now

on Bank of America's secure website

Chase Freedom Unlimited®

Earn a $200 Bonus after spending $500 on purchases in your first 3 months from account opening.

Plus, enjoy 0% intro APR for 15 months on purchases and balance transfers + up to 5% cash back, all with a $0 annual fee. 0% intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.74% Variable APR.

Earn up to 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases

Rates and fees

Apply Now Rates and fees