Unlock a $200 Bonus by Spending only $500
Earn a $200 bonus when you spend $500 in the first three months with the Chase Freedom Unlimited® card.
Fact Checked
Fact Checked
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Chase.
We really like that the Chase Freedom Unlimited® card offers a straightforward way to earn cash back while also providing some enticing bonus categories that will allow you to earn even more. The bonus offer is easily the best in the market for a no-annual-fee card. If you have good to excellent credit and are looking for a top-rated cash back card then keep reading to see why you’ve likely met your match.
$200 Bonus Opportunity
You can earn an incredible $200 bonus after spending only $500 in the first three months. This is an unbeatable bonus that does not require you to spend a lot of money to earn it. This essentially means you are earning 40% cash back on the first $500 you spend, even more when you factor in the ongoing cash back you will also earn.
Incredible Cash Back
You will earn 5% cash back on travel purchased through Chase Travel℠, 3% at drugstores and 3% on dining at restaurants, including takeout and eligible delivery services. You will also earn an unlimited 1.5% cash back on your other purchases. Most cards that offer elevated rewards in specific categories only offer 1% cash back on everything else, making this 1.5% cash back rate on the Chase Freedom Unlimited® especially appealing.
Pay No Interest for 15 Months
Those seeking a 0% intro APR will be happy to hear that the Chase Freedom Unlimited® allows you to pay 0% interest for 15 months from account opening on purchases and qualifying balance transfers, followed by a 18.24% - 27.74% Variable APR.
Flexible Reward Redemption Options
This card stands out from its competitors when it comes to redemption options as well. In addition to booking travel and other experiences directly through Chase Travel℠, you can also redeem your points for cash back, travel, gift cards and more. There is no minimum to redeem for cash back. Click ‘Apply Now’ to view the full details about your point transfer options. Your rewards do not expire as long as your card is open.
Additional Benefits
The additional perks offered to cardholders are impressive, especially considering that there is no annual fee. Your Chase Freedom Unlimited® card comes with built-in protection benefits like fraud monitoring, access to your credit score and much more. If you have good to excellent credit, want to save money on interest, pay no annual fee and earn cash back then the Chase Freedom Unlimited® card is an excellent choice for you.
Chase Freedom Unlimited®
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The Chase Freedom Unlimited® card offers a generous and unlimited base rate of 1.5% cash back on all of your purchases while also providing an even higher rate on travel purchased through Chase Travel℠, dining at restaurants and purchases at drugstores. You can earn a welcome bonus of $200 cash back after you spend $500 on purchases in the first three months of account opening. You can also save money on interest with a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Earn a $200 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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 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
Other Rewards Card Options
We think the Chase Freedom Unlimited® is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
Generous Bonus & Intro APR
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Bank of America® Travel Rewards credit card
If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.49% – 27.49% Variable APR will apply.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on everyday purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening. Read our in-depth Review to learn more.Card Details From Issuer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Earn a $200 Bonus Plus Ongoing Cash Back
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card stacks up very well against other top-tier cash back cards as it offers an unlimited 1.5% cash back on everyday purchases and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. This is a lower spending requirement than most cash back cards which means you can easily achieve this bonus with everyday purchases. You will also get access to exclusive reservations and dining experiences through Capital One Dining. You will also benefit from a 0% intro on purchases and balance transfers for 15 months, then 18.49% – 28.49% (Variable) APR will apply. A balance transfer fee applies but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest. That’s an extensive list of benefits, especially for a card that does not charge an annual fee.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
This $0 annual fee cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. You will also earn an elevated cash back rate on hotels, vacation rentals and rental cars booked through Capital One Travel. There is a generous online cash rewards bonus and a lengthy intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
Strong Earning Rates and No Annual Fee
Citi Strata℠ Card
If you’re looking for a $0 annual fee card that delivers solid rewards on everyday spending, the Citi Strata℠ Card is a strong contender. You can earn up to 5 points per dollar spent with the most interesting category being the 3x you can earn on a self‑select quarterly category like fitness or entertainment, making it easy to rack up rewards without overthinking. New cardholders can earn 20,000 bonus points after spending $1,000 within the first 3 months, which can be redeemed for up to $200 in gift cards, travel, or statement credits. Plus, this card comes with a 0% intro APR for 15 months on Purchases and Balance Transfers, then 18.49% – 28.49% (Variable). For those who want straightforward rewards without paying an annual fee, the Strata card is an appealing choice.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The Citi Strata℠ Card, an advertising partner, is the new-and-improved rebrand of the old Citi Rewards+® Card. This no-annual-fee card is ideal for everyday spending, earning 3x Citi ThankYou® points in useful categories such as supermarkets, transit, gas, and EV charging, and 2x points at restaurants. The card’s standout feature is a self-select 3x category you can change every quarter: choose from fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores. New cardholders can take advantage of a welcome offer and a long intro APR on purchases and balance transfers. Read our in-depth Review to learn more.Card Details From Issuer
- Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
- 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
- Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
- No Annual Fee
As you can see, it is a great time to be in the market for a new rewards credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Accolades, card reviews and ratings are determined by our editorial review process and are not influenced by advertiser compensation. Further details about how we evaluate cards can be found here.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.