Cards · Chase · Visa
Freedom Unlimited
No fee, 1.5× on everything, and points that turn into Ultimate Rewards next to a Sapphire.
Track this card in Cardful. Free, nothing to link.
Where it earns
The multipliers.
Paid in Ultimate Rewards, about 2.1¢ a point at RRV. Cardful ranks this card against the rest of your wallet for every purchase, using these rates and an honest point value.
Statement credits
$40 a year, if you use all of it.
Each credit runs on its own reset schedule. Cardful remembers partial use and reminds you before a window closes.
The honest read
Worth it, or not.
Worth it if
- No annual fee.
- 3× dining and drugstores, 1.5× on everything else.
- Pair it with a Sapphire and its points transfer to Hyatt and United.
Think twice if
- On its own the points are worth 1¢ as cash back.
- A 3% foreign transaction fee, so leave it home abroad.
- Few perks beyond a small quarterly DoorDash credit.
The fee
Is the fee worth it?
No annual fee, so everything the Freedom Unlimited earns is upside. Cardful still tracks where it earns so it wins the swipes it should. How the verdict works →
Disclosure: Cardful may earn a commission if you are approved for a card through our links. It never changes the offer you receive, and it never changes what we recommend. How we make money.
Terms last verified against the issuer’s published page on . Card terms change without notice — always confirm on the issuer’s site before applying.
Track what you already carry.
Add the Freedom Unlimited by name and every credit, fee and multiplier arrives pre-filled.
Free to start. No bank connection required. Built for iOS 27.