Chase Freedom Unlimited 0% APR & payoff plan.
The Chase Freedom Unlimited® Credit Card offers a $200 bonus after spending $500 in the first 3 months, with no annual fee and unlimited 1.5% cash back on all purchases. Additionally, it provides enhanced rewards of 3% on dining and drugstore purchases, and 5% on travel booked through Chase Travel. Cardholders benefit from a 0% introductory APR for 15 months on purchases and balance transfers. Cash back rewards do not expire as long as the account remains open, and various protections such as purchase protection, travel insurance, and zero liability are included. The card also offers complimentary 6 months of DashPass and 2% cash back on Lyft purchases, along with access to Chase Pay Over Time for flexible payment options.
Terms last verified Jun 26, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 15 months
- 0% on transfers
- 15 months
- Balance transfer fee
- Balance transfer fee applies, see pricing and terms for more details.
- Regular APR
- 18.24% – 29.99% variable
- Annual fee
- $0
- Issuer
- Chase
- Category
- Cash Back
Promo APR details
Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.
Payoff strategy
Divide the promo balance by 15. Pay at least that every month — Cardinate will recompute the number as the balance moves so you land at zero before month 16.
When this card makes sense
The Chase Freedom Unlimited is most useful when the offer matches the job. If you are paying down existing debt, the 15 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 15 months 0% purchase window. After the promo ends, the 18.24% – 29.99% variable regular APR is expensive — so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.