BillSaver
Credit cards

BillSaver card review

Chase Freedom Unlimited®

All-around cash back. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: ChaseNetwork: Visa
Chase Freedom Unlimited® card art
BillSaver fitAll-around cash back

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$0
Rewards
5% on travel through Chase Travel, 3% on dining and drugstores, 1.5% on other purchases.
Welcome offer
$200 cash bonus after you spend $500 on purchases in the first 3 months from account opening.
Intro APR
0% intro APR on purchases and balance transfers for 15 months.
Regular APR
18.24% to 27.74% variable APR.
Balance transfer fee
Intro transfer fee applies, then higher ongoing transfer fee.
Foreign transaction fee
3%
Credit profile
Good to excellent

BillSaver's view

A strong starter rewards card because the base rate is better than 1%, the bonus categories are useful, and the annual fee is zero.

Where this card can miss

Travel booked outside Chase and international purchases are less attractive, and a 2% flat-rate card may be simpler for some households.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.