Chase · personal · visa
Chase Freedom Unlimited
The nerd's quiet MVP: a flat 1.5% on everything with no fee, and the cash back becomes transferable points the moment you also hold a Sapphire or Ink. A no-brainer keeper.
Current public offer
$200 bonus cash back after $500 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers
- Suggested credit: Good / Excellent (690+)
Earning
- 3% Dining
- 5% Chase Travel
- 3% Drugstores, 1.5% everything else
Transfer partners
United · Southwest · JetBlue · British Airways · Air Canada · Flying Blue · Emirates · Singapore · Virgin Atlantic · Hyatt · Marriott · IHG
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.