Earn a $200 Bonus and Pay 0% Intro APR Into 2027
- 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!
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FinanceBuzz's credit card experts reviewed dozens of cards with low introductory APRs, and the Chase Freedom Unlimited®(Rates and fees) is one of our favorites. Not only does this card offer a long intro period with no interest on both purchases and qualifying balance transfers, but you can also enjoy incredible cash back rewards and no annual fee.
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- 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
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 into 2027. Plus, you can earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Benefits and perks:
- Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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.
- High base rewards rate: Earn 1.5% cash back on all other purchases.
- 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.
- 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.
>> Click here to apply online for the Chase Freedom Unlimited®
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
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
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Other Cards You Might Like:
The Chase Freedom Unlimited® is hard to beat with its notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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If you want to maximize cash back and pay no interest into 2027 on purchases and balance transfers:
With the Discover it® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers into 2027 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!
Enjoy a 0% intro APR for 15 months on purchases and balance transfers, then APR is 17.49% - 26.49% Variable. This is a great time to pay down credit card debt or help finance a large purchase without adding interest charges. Plus: Discover will match all the cash back you’ve earned at the end of your first year.
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If you want flexible cash back rewards and a long introductory no interest period, all with no annual fee:
The Bank of America® Customized Cash Rewards credit card(Rates and fees) checks all the boxes for a top intro APR credit card. It has a long intro APR period, a generous welcome offer, great cashback rewards, and no annual fee.
You can pay off high-interest debt faster with this card's 0% introductory APR for 15 billing cycles for any balance transfers made in the first 60 days, plus a 0% intro APR on purchases for 15 billing cycles. After the intro period, the APR is 17.49% - 27.49% Variable.
You can also earn cash back rewards for your everyday spending. A flat cash back structure can be great for simplicity, but bonus categories can really amp up your cash back earning potential based on your specific spending habits. Enjoy all this with no annual fee and a $200 welcome bonus.
Annual Fee: $0
Click here to apply now for the Bank of America® Customized Cash Rewards credit card
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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Enjoy 0% intro APR for 15 months + up to 5% cash back, all with a $0 annual fee.