Chase Freedom Unlimited cashback rate, cap and annual fee
Chase Freedom Unlimited pays 5% at Chase Travel portal bookings, 3% on dining, 3% on pharmacy and 1.5% on everything else.
Chase · United States · catalogue v101
Read from Chase's own published terms on 17 Aug 2026.
NoneAnnual fee
5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Chase Travel portal bookingstravel | 5.00% | —Bookings made through the Chase Travel portal only. Booking direct with the airline or hotel earns the base rate. |
| dining | 3.00% | —Restaurants, including takeaway and delivery. |
| pharmacy | 3.00% | —Drugstores. |
| everything else | 1.50% | —Everything else, uncapped. |
No annual fee and no caps on any category, which makes it the sensible default card in this market. Nothing to activate, nothing to track, nothing that runs out mid-month. The travel rate applies only to bookings made through Chase Travel, not to travel spend generally. Chase does not publish the foreign transaction fee on this page; check it before using the card abroad. Source: creditcards.chase.com, checked 17 Aug 2026.
Questions people ask
What cashback does the Chase Freedom Unlimited pay?
5% at Chase Travel portal bookings, 3% on dining, 3% on pharmacy and 1.5% on everything else.
Is there a cap on the Chase Freedom Unlimited?
No monthly cap is published on the rates shown here.
What is the annual fee on the Chase Freedom Unlimited?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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