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FinanceBuzz's credit card experts reviewed dozens of cards with an introductory APR, and the Chase Freedom Unlimited® 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 19.49% - 28.24% Variable.
- Bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year). This means earning up to 6.5% cash back on eligible categories.
- Earn 1.5% cash back on all other purchases.
- $0 annual fee.
The Chase Freedom Unlimited® 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 19.49% - 28.24% Variable. That means you could take a break from interest until 2026!
More benefits and perks
- Additional cash back bonus offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).
- Earn powerful cash back year-round: Up to 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, 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.
- High base rewards rate: Earn 1.5% cash back on all other purchases.
- Lyft and DoorDash perks: You get 5% total cash back on Lyft rides through March 31, 2025 and a free DashPass membership for three months, followed by a 50% discount for 9 months (activate by January 31, 2025).
- 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.
Who is the Chase Freedom Unlimited® 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+.
- 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, APR then 19.49% - 28.24% Variable.
- Loves cash back rewards: It's hard to beat the chance to 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, 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.
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 19.49% - 28.24% 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 19.49% - 28.24% Variable.
- Cash Back Rewards: 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, 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.
- Amazing Welcome Offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).
- Annual Fee: $0.
>> Click here to apply now and pay an intro 0% APR until 2026
Benefits
Card Details
- High base rewards rate of 1.5%
- $0 annual fee
- Valuable welcome bonus for new cardholders
- Intro APR offers for purchases and balance transfers
- Apply Now
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 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 minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.49% - 28.24%.
- 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
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
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.