Is the Chase Freedom Unlimited worth a spot in your wallet?
The honest math on the Chase Freedom Unlimited: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Chase · No annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 3x Dining at restaurants
- 3x Drugstore purchases
- 2x Lyft rides
- 1.5x Everything else
Statement credits (1)
- $10/quarter DoorDash Promo — A $10 promo credit each quarter ($40/year) on DoorDash, with DashPass enrollment.
Protections and perks (5)
- DashPass Membership (6 months) — 6 months of complimentary DashPass ($0 delivery fees), roughly a $60 retail value, when activated by Dec 31, 2027.
- Secondary Rental Car Coverage — Collision/theft coverage on rentals paid with the card — secondary in the US, so it pays after your personal auto policy.
- Trip Cancellation / Interruption — Up to $1,500 per covered traveler ($6,000 per trip) for prepaid, non-refundable passenger fares cancelled for covered reasons.
- Purchase Protection — New purchases covered 120 days against damage or theft, up to $500 per item.
- Extended Warranty — Adds a year to eligible US manufacturer warranties of 3 years or less.
Card data verified against Chase on 2026-08-20.
All cards · Compare cards · Find your card