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Credit card · Chase
Last verified June 16, 2026

Chase Freedom Unlimited

$200 cash back after just $500 of spend in the first 3 months — one of the lowest bonus bars of any card here, with no annual fee. Beyond the bonus it earns an unlimited 1.5% on everything (plus 3% on dining and drugstores, 5% on Chase Travel), so it stays useful as an everyday card. The real gate is Chase's 5/24 rule, not the spend.

The deal

Spend $500 on purchases in the first 3 months from account opening

The walkthrough

  1. 01 Confirm you're under 5/24 — if you've opened 5+ personal cards (any issuer) in the last 24 months, Chase will auto-deny.
  2. 02 Apply on Chase.com for the $200 / $500-in-3-months offer.
  3. 03 Put $500 of normal spending on the card within 3 months — everyday bills and groceries clear it easily.
  4. 04 Pay in full each month, then keep the card as a flat-1.5% base alongside any travel cards.

What to watch for

  • ! Chase 5/24: 5+ new personal cards in 24 months means near-automatic denial regardless of score.
  • ! 3% foreign transaction fee — don't use it abroad.
  • ! The points are Chase Ultimate Rewards; their value rises if you also hold a Sapphire or Ink card to make them transferable.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →