No annual fee

Chase Freedom Unlimited: $200 after $500 spend in 3 months, no annual fee

· PerkSensei Desk

Last successful source check
Oct 14, 2026
Last verified
Oct 14, 2026, by our research team

Our deal scouts work to keep this offer current. Terms and eligibility can change. Confirm the details with the provider before applying.

Chase

In plain terms

Open the Chase Freedom Unlimited, spend $500 on eligible purchases within 3 months of opening the account, and you earn $200. There is no annual fee.

Key terms

Reward
$200
Spend
$500
Window
3 months from account opening
Annual fee
No annual fee
Apply by
No public end date stated
Type
Personal, public offer
Bonus usually posts
6–8 weeks after you finish the spend

Before you apply

  • Current cardholders and recipients of this card’s bonus within 24 months are excluded.
  • Refunded or excluded transactions do not satisfy net qualifying spend. Keep the account eligible until fulfillment.
  • Applies to the linked offer channel; do not combine its bonus or spend requirement with another channel.
  • These don't count toward the spend: balance transfers, cash advances and cash equivalents, gambling, person-to-person transfers and account funding, fees and interest, unauthorized or fraudulent charges.
  • When the spending window starts: Account opening, not receipt of the physical card.

YMMV: approval and bonus eligibility are the issuer's decision.

What it's worth to you

Credits start at their full stated value. That's an assumption, not what you'll actually get. Mark anything you wouldn't fully use, and the totals update.

We start at 1¢, an example assumption from our research, not a cash price.

Welcome offer

Welcome bonus

$200 cash back

$200

Benefits and credits

Promotional DashPass membership

No fixed dollar value. Enter what it's worth to you each year, if anything.

  • Six complimentary months after activation by 2027-12-31, then paid renewal unless canceled. Shared account period. Use the enrolled card directly; US account and eligible merchants/minimum order apply. No third-party wallet. Taxes, fees and tips are not covered; unused discounts expire, no rollover or cash value. Gift cards excluded; product changes can end the benefit.
  • One time only, so it counts in year one and not after.
  • Activate by Dec 31, 2027.
  • Renews as a paid membership unless you cancel.

Not counted

Quarterly nonrestaurant DoorDash discount

Up to $10 a quarter ($40 a year)

  • One $10 nonrestaurant order discount each calendar quarter through 2027-12-31 while eligible DashPass is active. Unused portion of the single-order discount is lost. Use the enrolled card directly; US account and eligible merchants/minimum order apply. No third-party wallet. Taxes, fees and tips are not covered; unused discounts expire, no rollover or cash value. Gift cards excluded; product changes can end the benefit.
  • Scheduled to end Dec 31, 2027, so it isn't counted after year one.
  • Needs an active DashPass membership.

Year one $40

Extra fees, or anything you'd buy only to use a credit.

Reset to full-value assumptions
Your estimate
Year oneAfter year one, per year
Welcome bonus$200$0
Rewards on the $500 required spend$7.50$0
Minus what a 2% card would earn on it−$10$0
Benefits you counted$40$0
Annual fee$0$0
Other costs$0$0
Estimated total$237.50$0

Sensei's Take

At your values, year one comes out about $237.5 ahead, mostly from the welcome bonus.

There's no annual fee, so keeping it open costs nothing in fees.

One item is marked Not sure and left out.

Not counted yet

Marked Not sure. Decide on these to include them.

  • Promotional DashPass membership
How we estimate this
  • Credits start at their full stated value. That's a starting assumption, not what you'll actually get. Change anything you won't fully use.
  • Items marked Not sure stay out of the totals until you decide.
  • Year one counts each yearly credit once. It doesn't assume you can use a calendar-year credit twice in your first account year.
  • Ongoing totals leave out everyday spending rewards, which depend on how much you spend.
  • Statement balances paid in full; no financing cost modeled.
  • Qualifying spend is normal eligible spending, net of returns.
  • A 2% alternative card is the baseline.
  • Point values are explicit examples, not cash guarantees.
  • An unvalued welcome certificate leaves full first-year total null; show the quantified subtotal separately.

Illustration only, not a promise of value. Terms can change; check the issuer's current terms.

Offer historyInsufficient history

We have one reviewed observation of this offer so far (Oct 14, 2026). History charts appear once we have enough comparable, reviewed offers, and gaps will show as gaps.

Sources