Chase Freedom Unlimited

The Chase Freedom Unlimited is the ultimate no-annual-fee daily driver, offering 1.5% cash back on every purchase, 3% on dining and drugstores, and 5% on travel booked through Chase. With no spending caps on these rewards, it’s a straightforward earner that outperforms #6 American Express Gold by a wide margin for general, non-category spending. Data shows the average cardholder earns an additional $200 annually compared to a typical 1% flat-rate card. For most budgets, this card simplifies rewards without sacrificing value.