The Freedom Unlimited pays a $200 cash bonus after $500 of spend in 3 months, with no annual fee. It earns 1.5% back on everything and more in select categories. As a Chase card it is subject to 5/24.
Eligibility
Available nationwide
No state restrictions on this offer.
Hard credit inquiry
Applying posts a hard pull to your credit report.
The 5/24 rule
Five or more cards opened across all issuers in 24 months → automatic Chase denial.
How to get this bonus
- Confirm you're under 5/24.
- Apply on chase.com; there is no annual fee.
- Spend $500 in 3 months; the $200 posts with the qualifying statement.
The fine print that matters
- Chase 5/24: five or more new cards across all issuers in 24 months usually means an automatic denial.
- Earlier in 2026 Chase ran a $250 version through April 30. The current standard bonus is $200.
- The bonus is cash back, so no valuation is needed.
Verification and reports
Checked against chase.com today. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Sources: chase.com Freedom Unlimited (checked Jul 17, 2026)
Other Chase offers, so you can compare
Chase Sapphire Preferred75,000 points
$5,000 in purchases within first 3 months of account opening
Chase Total Checking$400
$1,000 in direct deposits, 90 days
Chase Sapphire Reserve100,000 points
$6,000 in purchases within first 3 months of account opening
Chase Ink Business Unlimited$1,000
$8,000 spend in 4 months