Chase Freedom Unlimited® Review

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Chase Freedom Unlimited®: Interest rates, credit limits, cashback offers, and bonuses. Learn about the conditions for obtaining the card online, including registration and options for receiving it online or at a bank branch. Discover its features.
from 500 $
Credit Limit
20.49 - 29.24 %
APR
$ 200 bonus
Welcome Bonus

Details

General Info
Required documents Required documents
SSN
APR APR
20.49 - 29.24 %
Credit Limit Credit Limit
from 500 $
Welcome Bonus Welcome Bonus
$ 200 bonus
Interest rates
Shopping Shopping
20.49 - 29.24 %
APR for Cash Advances APR for Cash Advances
29.99 %
APR for Balance Transfers APR for Balance Transfers
20.49 - 29.24 %
Do I fit in?
Credit Score Credit Score
from 700
Age Age
from 18 years
Fees
Annual Fee Annual Fee
0 $
Foreign Transactions Foreign Transactions
3 %
Late Payment Late Payment
up to 40 $
Returned Payment Returned Payment
up to 40 $
Cash back
Purchases Purchases
1.5 %
Restaurants Restaurants
3 %

The Chase Freedom Unlimited® credit card offers a straightforward approach to earning rewards on everyday purchases. Cardholders can earn unlimited 1.5% cash back on all purchases, with opportunities to earn higher rewards on dining, drugstore purchases, and travel booked through Chase TravelSM. New card members can also benefit from a $200 bonus after spending $500 on purchases in the first 3 months from account opening. With no annual fee and a 0% intro APR for 15 months on purchases and balance transfers (then a variable APR of 20.49%–29.24%), this card appeals to those seeking flexibility and rewards without additional costs.

Features

  • Unlimited 1.5% Cash Back. Earn 1.5% cash back on every purchase, providing consistent rewards on all spending categories.
  • Bonus Categories. Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services, and 3% on drugstore purchases.
  • Sign-Up Bonus. Receive a $200 bonus after spending $500 on purchases in the first 3 months from account opening, enhancing initial rewards.
  • Introductory APR. Enjoy a 0% intro APR for 15 months from account opening on purchases and balance transfers, followed by a variable APR.
  • No Annual Fee. Benefit from earning rewards without the cost of an annual fee, making it cost-effective for everyday use.

Pros and Cons

Pros

Cons

How to Apply for a Chase Freedom Unlimited® Credit Card

Online

Mobile App

In Bank's Office

Infographic

Chase Freedom Unlimited®

Eligibility Requirements

Reasons You May Be Denied a Card

How to Pay Off Credit Card Debt

Editorial Opinion

The Chase Freedom Unlimited® Credit Card presents a compelling option for those seeking a simple yet rewarding credit card experience. With unlimited 1.5% cash back on all purchases and enhanced rates of 3% on dining and drugstore purchases, it appeals to individuals who prioritize earning consistent rewards without navigating rotating categories. The card's $200 sign-up bonus after spending $500 in the first three months offers immediate value, making it particularly attractive for new cardholders. Additionally, the 0% introductory APR for 15 months on purchases and balance transfers provides a financial cushion for those looking to manage larger expenses or consolidate debt. This combination of straightforward rewards, no annual fee, and introductory perks makes the Chase Freedom Unlimited® card a valuable addition to a versatile financial strategy.

Additional Resources

Sources

FAQ

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Zarina S
Editor
Zarina S
02.12.2022
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Update 28.06.2024