Chase Freedom Unlimited
No-fee everyday card; pairs perfectly with Sapphire Preferred
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5-year value calculator
How much Chase Freedom Unlimited actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K
What you get
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 months
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Chase Freedom Unlimited
The SaaS subscriptions where Chase Freedom Unlimited earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,82,453/yr.
Greenhouse
1.5% rewards on hr category — better than the 1% default.
Drift
1.5% rewards on crm category — better than the 1% default.
Vanta
1.5% rewards on engineering category — better than the 1% default.
Drata
1.5% rewards on engineering category — better than the 1% default.
WorkOS
1.5% rewards on auth category — better than the 1% default.
dbt
1.5% rewards on database category — better than the 1% default.
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