CHASE / CASH BACK
Chase Freedom Unlimitedfees & costs
An everyday rewards card with no annual fee, but a foreign-transaction charge to account for when spending abroad.
U.S. consumer card · Reviewed
Fee breakdown
Published fees for the U.S. consumer product. Your offer or existing card agreement may differ.
| Annual membership | $0 per year. Source |
|---|---|
| Foreign transactions | 3% of the transaction amount in U.S. dollars. Source |
| Balance transfer | Introductory fee: 3%, minimum $5, within 60 days of account opening. After that: 5%, minimum $5. Source |
| Cash advance | 5% of the advance, with a $10 minimum. Source |
| Late payment | Up to $40. Source |
| Other charges & APR | Review the issuer's current pricing disclosure for interest rates, transfer and cash-advance fees, late charges, and any installment-plan charges not listed above. Current offer and terms |
A foreign-transaction fee is separate from exchange rates, ATM charges or fees imposed by a merchant. Fee examples exclude these costs.
A SIMPLE EXAMPLE
$30 in yearly fees
With $1,000 in foreign purchases: $0 annual fee + $30 foreign-transaction fees = $30.
Illustration only. No interest, other fees, rewards or credits are included.
Try your own spending amount →What the card offers
Earn 1.5% cash back on general purchases, 3% on dining and drugstores, and 5% on travel purchased through Chase Travel, subject to issuer terms. Rewards terms
When to compare it
Compare it for ordinary domestic spending if you prefer ongoing cash back without an annual membership charge.
What to watch
The foreign-transaction fee can outweigh the base rewards on overseas purchases. Introductory interest offers do not remove balance-transfer fees.
Issuer sources & review notes
Reviewed October 13, 2026. These are direct issuer links. Published fees can change and offers can vary by applicant or channel. Before applying, use the current rates-and-fees disclosure for the offer you receive.
- Chase Freedom Unlimited: official card information
- Chase Freedom Unlimited: linked pricing disclosure
FeeHQ provides general cost information, not personalized financial advice. We do not guarantee approval, benefits or savings.