Chase
Zero Annual Fee
•••• •••• •••• 4288
VALID THRU 12/29
Chase Freedom Unlimited®
VISA
🇺🇸 United States Best Zero-Fee Cash Back Credit Card

Chase Freedom Unlimited®

Issued by JPMorgan Chase & Co.

The ultimate everyday companion card with no annual fee, 1.5% flat cash back on all purchases, 3% on dining and drugstores, and a 15-month 0% intro APR period.

Annual Fee $0 Free Forever
Reward Rate 1.5% Unlimited Cash Back + 5% on Chase Travel + 3% on Dining & Drugstores
APR / Profit Rate 0% Intro APR for 15 months, then 20.49% - 29.24%

Exclusive Features & Cardholder Privileges

✓

1.5% Flat Unlimited Cash Back

Earn at least 1.5% cash back on every single purchase with no caps or rotating categories.

✓

3% on Dining & Drugstores

Includes takeout, eligible delivery services, and drugstore prescriptions.

✓

0% Intro APR for 15 Months

0% intro APR on purchases and balance transfers for your first 15 months.

✓

$0 Annual Fee

Maximize cash rewards without worrying about an annual membership charge.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • No annual fee
  • Combines with Chase Sapphire to convert cash back into transferrable points
  • 15-month 0% intro APR

⚠ Considerations

  • Has a 3% foreign transaction fee on overseas purchases

Detailed Fees & Specifications

Card Name Chase Freedom Unlimited®
Issuing Financial Institution JPMorgan Chase & Co. (New York, NY, USA)
Card Network VISA
Card Type Credit Card
Primary Category Zero Annual Fee
Annual Fee $0 Free Forever
Interest Rate / APR 0% Intro APR for 15 months, then 20.49% - 29.24%
Rewards & Cashback Rate 1.5% Unlimited Cash Back + 5% on Chase Travel + 3% on Dining & Drugstores
Foreign Transaction Fee 3% of each transaction in US dollars
Airport Lounge Access None
0% Installments / Financing 0% Intro APR for 15 months on purchases and balance transfers
Welcome Bonus Offer $200 Bonus after spending $500 in first 3 months
Eligibility & Credit Score Good to Excellent (670 - 850)