Intro 0% BT APR plus 1.5% unlimited cash back — the Chase ecosystem entry point.
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Good–Excellent credit — 670+ FICO typical; Chase 5/24 applies
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Balance payers who are also building a Chase Ultimate Rewards stack and want the card to earn meaningfully post-payoff.
The Chase Freedom Unlimited has no annual fee and a 5% balance transfer fee (minimum $5). The intro APR is 0% for 15 months on qualifying balance transfers from account opening; the regular variable APR applies after that. Ongoing, the card earns 1.5% cash back on all purchases (plus 5% on Chase Travel and 3% on dining and drugstores). Verify the current regular APR at chase.com.
| Year 1 value | Ongoing value |
|---|---|
| 0% BT APR for 15 months; welcome bonus on qualifying spend (verify current offer); 1.5%+ cash back on spending | 1.5% unlimited + bonus categories; no annual fee; points stackable with Sapphire Reserve/Preferred |
| 5% BT fee; confirm current welcome bonus and intro period at chase.com | |
Chase Freedom Unlimited® — Intro 0% BT APR plus 1.5% unlimited cash back — the Chase ecosystem entry point. Best for: Balance payers who are also building a Chase Ultimate Rewards stack and want the card to earn meaningfully post-payoff.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by Chase (verified June 2026), the card offers 0% intro APR for 15 months on qualifying balance transfers from account opening. The regular variable APR applies after the intro period. Confirm current terms at chase.com before applying.
Not directly — Freedom Unlimited earns Chase Ultimate Rewards points that can only transfer to airline/hotel partners if you also hold a premium Sapphire card (Preferred or Reserve). With a Sapphire card, you can combine points and transfer to 14+ partners at 1:1. Without a Sapphire card, redemptions are at 1 cent per point in cash or Chase Travel.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Chase Freedom Unlimited® is issued and operated by JPMorgan Chase Bank, N.A. APRs, fees, and terms are determined solely by Chase and may change — verify current terms at chase.com before applying.
Yes — as disclosed by Chase (verified June 2026), the 5% balance transfer fee (minimum $5) is charged at the time the transfer is processed and added to your balance. On a $5,000 transfer, the fee is $250 added to your account. This fee is not waived during any introductory period. Factor the fee into the total cost of the balance transfer before initiating — confirm the current BT fee at chase.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Balance Transfer Credit Cards 2026.
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