Cards
Points & MilesChaseVisa SignatureNo Annual Fee
Chase Freedom Unlimited (CFU)
Key facts
Annual feeNo annual fee
NetworkVisa Signature
Rewards currencyUltimate Rewards (UR)
Recommended creditFair – Good (680+)
Transfer partnersYes
Current sign-up bonus
$200 bonus after spending $500 on purchases in the first 3 months
Reward rates
5x Travel booked via Chase
3x Dining
3x on Drugstores
1.5x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Trip Cancellation / Interruption
Up to $1,500 per covered person and up to $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by covered reasons (illness, severe weather, etc.). Must pay for trip with this card.
Purchase protections
Extended Warranty
Extends the U.S. manufacturer's warranty by 1 additional year on eligible warranties of 3 years or less. Extends up to a maximum of 4 years total.
Purchase Protection
Covers eligible new purchases for 120 days against damage or theft. Up to $500 per claim, up to $50,000 per account.
Other benefits
Authorized User Fee
$0.
Foreign Transaction Fee
3% of each transaction in U.S. dollars.
Secondary Rental Car
Yes — Auto Rental Collision Damage Waiver provides secondary coverage for theft and accidental damage on rentals in the US. Up to $60,000. Maximum rental period 31 consecutive days. Excludes exotic/luxury vehicles (Ferrari, Porsche, Tesla, etc.) and motorcycles.
Primary Rental Car
None in the US. Rental coverage is primary only for international rentals (outside the US).
Transfer Partners
None directly. Cash back can be converted to Chase Ultimate Rewards points only when paired with a premium UR card (Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred), then transferred to airline/hotel partners via that card.
Welcome Bonus
$200 bonus after spending $500 on purchases in the first 3 months from account opening.
Earn Rates
1.5% cash back on all other purchases; 5% on travel purchased through Chase Travel; 3% on dining at restaurants (including takeout and eligible delivery); 3% at drugstores. Also 2% on qualifying Lyft purchases through 09/30/2027.
Best for
Travel PortalDining
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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