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FinanceBuzz's credit card experts reviewed dozens of cards with an introductory APR, and the Chase Freedom Unlimited®(Rates and fees) is one of our favorites for its long no-interest period on both purchases and balance transfers, incredible cash back rewards, and no annual fee.
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What you need to know:
- Enjoy 0% intro APR for 15 months on purchases and balance transfers, then 18.99% - 28.49% Variable.
- Bonus: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 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.
- $0 annual fee.
The Chase Freedom Unlimited®(Rates and fees) stands out from other intro APR cards as it offers this introductory rate on both purchases and balance transfers and the ability to earn cash back. It’s hard to find another option that offers so much value with no annual fee.
What we like about the Chase Freedom Unlimited®
It's rare to find a card that offers an introductory APR and outstanding cash back rewards. While some cards only offer an intro APR on purchases or balance transfers independently, the Chase Freedom Unlimited® offers 15 months of an intro 0% APR on purchases and balance transfers, then 18.99% - 28.49% Variable. That means you could take a break from interest until 2026!
More benefits and perks
- 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.
- Generous welcome offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- High base rewards rate: Earn 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: Kicks in 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®
Who is the Chase Freedom Unlimited® best for?
The Chase Freedom Unlimited® is a great choice for:
- Travelers looking to book now and pay over time: With this generous intro APR offer on purchases, you can take that big trip you've been dreaming about and pay it off over 15 months without interest (then 18.99% - 28.49% Variable).
- Budget-conscious cardholders: With no annual fee, you can rack up cash back and enjoy a long intro APR period without added costs.
- Anyone wanting 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, APR then 18.99% - 28.49% Variable.
- Anyone with good to excellent credit: The Chase Freedom Unlimited® is a good choice for applicants with a credit score of 670+.
If you're planning a big trip or just want a flexible, high-earning cash back card, the Chase Freedom Unlimited® delivers a rare combination of travel rewards, an interest-free intro period, and everyday value.
>> Click here to apply online for the Chase Freedom Unlimited®
Bottom Line
The Chase Freedom Unlimited® is a great choice for a credit card with outstanding cash back and intro APR perks. Who doesn't love 15 months with 0% intro APR on purchases and balance transfers (then 18.99% - 28.49% Variable) — all without an annual fee?
- Low Intro APR: Enjoy a 0% introductory APR on purchases and balance transfers. After the intro period, the APR is 18.99% - 28.49% Variable.
- Cash Back Rewards: 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.
- Amazing Welcome Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Annual Fee: $0.
>> Click here to apply now and pay an intro 0% APR until 2026
2025 award winner
Best for Dining Out Benefits Card Details Intro Offer
Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
Annual Fee $0 Why we like it
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.