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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.
2025 award winner Best for Dining Out
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Balance Transfers: 0%, 15 months
Why We Like It
Card Details
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 $200 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®
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 18.99% - 28.49% 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 2026
2025 award winner
Best for Dining Out
Benefits Card Details 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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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.