Freedom Unlimited

Chase · VISA · annual fee $0

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 5% Chase Travel portal
• 3% Dining: restaurants, takeout, eligible delivery
• 3% Drugstores
• 1.5% Everything else

Statement credits, at their advertised value

• DoorDash DashPass, up to $40 a year

Advertised total $40 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

Foreign transaction fee: 3%

Purchase APR: 18.24%-27.74%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/chase-freedom-unlimited.