Core Points - The Chase Freedom Unlimited® is a beginner-friendly cash-back credit card with a $0 annual fee, a 1.5% base earning rate, and attractive introductory APR offers [1][4][12] - It offers a welcome bonus of $200 after spending $500 in the first 3 months and a 0% introductory APR on purchases and balance transfers for 15 months [4][12] - The card provides elevated rewards rates, including 5% cash back on travel purchased through Chase Travel, 3% on drugstore purchases and dining, and 1.5% on all other purchases [4][9][12] Summary by Category Card Features - Annual fee is $0, making it cost-effective for users [4] - Introductory APR of 0% on purchases and balance transfers for 15 months, followed by a variable ongoing APR of 18.99% - 28.49% [4][20] - Rewards structure includes 5% cash back on travel through Chase Travel, 3% on dining and drugstore purchases, and 1.5% on all other purchases [4][9] Benefits - Multiple redemption options for rewards, including cash back, travel, and gift cards [9][10] - Travel insurance benefits include trip cancellation and interruption insurance, auto rental collision damage waiver, and emergency assistance services [9] - Fraud monitoring and purchase protection are included, enhancing cardholder security [9] Earning and Redeeming Rewards - Cardholders can earn $50 cash back for each friend referred who is approved for a Chase Freedom card, with a maximum of $500 cash back per year from referrals [7] - Rewards can be redeemed for statement credits, direct deposits, or through the Chase Travel portal [10][19] - Combining rewards with other eligible Chase cards can enhance earning potential and provide access to additional travel redemption bonuses [11][13] Target Audience - The card is recommended for rewards credit card beginners and those looking for a low-maintenance cash-back card for everyday spending [12][37] - It is particularly beneficial for users who also hold other Chase cards to maximize rewards [13][14]