Chase Freedom Unlimited® Credit Card Benefits
Beyond its robust cash back rewards, the Chase Freedom Unlimited® card offers a range of valuable protections, travel benefits, and special partnership offers. As with any credit card, specific terms and exclusions apply, so always refer to your Guide to Benefits for full details.
Shopping and purchase protections
- Purchase protection: Covers new purchases against damage or theft for 120 days, up to $500 per item and $50,000 per account.
- Extended warranty protection: Adds an extra year to eligible U.S. manufacturer's warranties of three years or less.
- Zero Liability protection: Protects you from unauthorized charges.
- Fraud monitoring: Chase monitors your account and can alert you to unusual activity.
Travel benefits
- Auto rental collision damage waiver: Provides coverage for theft and collision damage for most rental vehicles when you decline the rental company's insurance and pay with your card. It's secondary in the U.S. but primary internationally.
- Trip cancellation and interruption insurance: Reimburses pre-paid, non-refundable travel expenses if your trip is canceled or cut short due to covered reasons, up to $1,500 per person and $6,000 per trip.
- Travel and emergency assistance: Offers a 24/7 hotline for referrals and access to emergency services when you're away from home (you pay for the services used).
Partner perks and exclusive access
- Complimentary DashPass membership: New cardmembers can activate six months of complimentary DashPass for DoorDash and Caviar, offering $0 delivery fees on eligible orders through December 31, 2027.
- Quarterly DoorDash credit: Get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027, after activating your DashPass.
- Boosted Lyft rewards: Earn a total of 2% cash back on Lyft rides paid with the card through September 30, 2027.
- Chase Offers: Access cash back offers from participating merchants.
- Chase event access: Gain access to presale tickets for select events.
Account management tools
- Chase Credit Journey: Monitor your credit score and get free alerts.
- Chase Pay Over Time: Eligible members can break down purchases of $100 or more into fixed monthly payments with a fixed fee, but no interest.
The Chase Freedom Unlimited® card offers a suite of benefits with no annual fee. It provides elevated cash back rates on travel booked through Chase (5%), dining (3%), and drugstore purchases (3%), along with an unlimited 1.5% back on all other purchases. New cardmembers can receive an introductory 0% APR on purchases and balance transfers for the first 15 months. Additionally, the card includes valuable protections like purchase protection, extended warranty, and trip cancellation insurance. Cardholders also receive special perks, such as complimentary DashPass access for a limited time. The flexibility of the card is enhanced when paired with a premium Chase card, allowing points to be transferred for potentially greater travel value.
Ready to apply?
Chase Freedom Unlimited®
- Limited Time Offer: Earn a $250 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
See Card Terms and Conditions
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
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