Chase Freedom Unlimited: what it earns
Updated September 17, 2026 · from RightCard's verified card and merchant data
Every category, as published
The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.
| Category | Earn | ≈ value / $1 |
|---|---|---|
| Restaurants | 3% | 3¢ |
| Supermarkets | 1.5% | 1.5¢ |
| Gas stations | 1.5% | 1.5¢ |
| Travel | 1.5% | 1.5¢ |
| Online shopping | 1.5% | 1.5¢ |
| Drugstores | 3% | 3¢ |
| Transit & rideshare | 1.5% | 1.5¢ |
| Streaming | 1.5% | 1.5¢ |
| Everything else | 1.5% | 1.5¢ |
Where it beats a flat 2% card
Restaurants, Drugstores. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.
Delivery apps and the dining rate
DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.
See it against the rest of your wallet →
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FAQ
What does the Chase Freedom Unlimited earn at supermarkets?
1.5% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.
What does the Chase Freedom Unlimited earn on everything else?
1.5% on purchases outside its bonus categories.
Does the Chase Freedom Unlimited have an annual fee?
No annual fee.
More guides: Rate my wallet · All cards · Restaurants guide · Drugstores guide