Boost your cash-back rewards on everyday spending #CashNews.co

The has everything you need in a beginner or everyday cash-back credit card, including a $0 annual fee, excellent intro APR offers, and an elevated 1.5% base earning rate.

You can also turn the Freedom Unlimited into an everyday travel rewards earner by pairing it with one of Chase’s travel card options, such as the .

• Intro APR offer on purchases and balance transfers: You receive a generous introductory APR on purchases and balance transfers for the first 15 months from account opening

• Multiple redemption options: You can redeem your rewards for cash back, travel, gift cards, and online purchases with some merchants, such as Amazon.

• Instant access: If approved for the Freedom Unlimited, you can use it the same day by adding it to a digital wallet, including Apple Pay, Google Pay, and Samsung Pay.

• Travel insurance: The Freedom Unlimited’s travel coverage includes trip cancellation and interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.

• Purchase protection: Cardholders can take advantage of purchase and extended warranty protection benefits on eligible purchases.

• Credit Journey: You can use Credit Journey to monitor your credit and credit score for free without impacting your credit.

• Combine rewards: You can combine Chase points between eligible Chase credit cards, making it easier to rack up rewards.

You can earn an additional 1.5% cash back on all eligible purchases (up to $20,000 spent) in your first year of card membership. This welcome bonus is worth up to $300 in cash back.

• 5% cash back on travel purchased through Chase Travel

• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services

• 1.5% cash back on all other eligible purchases.

Earn $50 cash back for each friend who applies through your referral link and is approved for any participating Chase Freedom credit card. You can earn up to $500 cash back per year from referrals.

• Cash back: Redeem rewards for a statement credit or a direct deposit into eligible U.S. checking and savings accounts. There’s no minimum amount to redeem for cash back.

• Travel: Book flights, hotel stays, and more through the Chase Travel portal.

• Amazon: Link your Freedom Unlimited card to your Amazon.com account and redeem cash-back rewards to pay for part or all of eligible Amazon purchases at checkout.

• Gift cards: Use rewards to receive gift cards from various retailers.

• Combine points: You can combine points with other eligible Chase credit cards that earn Ultimate Rewards.

Tip: Moving your Chase Freedom Unlimited rewards to a , , or gives you access to 25% to 50% Chase Travel redemption bonuses and the option to transfer points to travel partners, such as United MileagePlus and World of Hyatt.

We recommend the Chase Freedom Unlimited for rewards credit card beginners, Chase Ultimate Rewards enthusiasts, and anyone who wants a low-maintenance cash-back card for everyday spending.

The Freedom Unlimited is an excellent product on its own, providing elevated rewards and ample purchase protection perks without an annual fee. However, you can get even more value by using it with one or more other Chase cards that earn Ultimate Rewards points.

Using multiple rewards cards simultaneously lets you take advantage of different bonus categories. For example, one card might have a high cash-back rate for travel, while the other has a high rate for dining or gas stations. Using both cards together helps maximize your earning potential on all your eligible purchases rather than only those in select categories.

• Base earning rate isn’t as good as some flat-rate rewards cards

• Typically requires good or excellent credit

• Has foreign transaction fees

The Chase Freedom Unlimited is a Visa credit card (Chase is the credit card issuer), so it’s accepted in over 200 countries and territories worldwide. However, the Freedom Unlimited charges 3% foreign transaction fees, so it’s not the best card for international travel.

Here are the primary ways you can make a Chase credit card payment:

• Online: Log into your online account on Chase.com or through the Chase Mobile app. You can make manual payments or set up automatic payments.

• Phone: To pay over the phone, call the number on the back of your card or 1-800-436-7958.

• Mail: For mail payments, send to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294. Send overnight payments to Chase Card Services, 201 N. Walnut Street, De1-0153, Wilmington, DE 19801.

• Western Union: Send Western Union payments using the Code City WALNUT.

• In-branch: You can make payments at Chase ATMs and branch locations if any are in your area.

Here are the different ways you can contact Chase customer service:

• Phone: Call the number on the back of your card or 1-800-432-3117.

• Secure message: You can send secure messages to Chase through your online account by logging in via a web browser or the Chase Mobile app.

• Social media: Message Chase on Facebook, Instagram, or X.

• In-branch: Speak with a customer service representative or meet with a banker at a Chase branch.

If the Chase Freedom Unlimited Card isn’t the right fit for you, consider these alternative :

Why we like it: The has a $0 intro annual fee for the first year, then $95 (see , terms apply). Despite the annual cost, this is one of our favorite cash-back cards for everyday spending because of its high rewards rate. Few rewards cards reach a 5% return, but the Amex Blue Cash Preferred goes beyond that, providing an excellent opportunity to boost your earning potential on purchases you already make.

Why we like it: The has a $0 annual fee and no foreign transaction fees (which is uncommon for cash-back cards). It’s also a powerhouse for earning cash back in everyday categories, including dining, entertainment, and groceries. If these are common spending categories for you, the Savor Cash Rewards deserves your consideration.

Why we like it: The Citi Double Cash is an easy card to hang onto, especially if you want the simplicity of using one card for everything. There are no bonus categories to track and no special enrollment requirements. You earn up to 2% cash back on every eligible purchase, simple as that.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.