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Chase Freedom Unlimited℠

Chase Freedom Unlimited℠


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Your Rating:

3.7/5.0 from 164 Offer Ratings

(164) Over the Past 60 Days!

  • Regular Purchase APR 15.74% - 24.49% Variable
  • Intro Purchase APR 0% Intro APR for 15 months
  • Intro BT APR 0% Intro APR for 15 months
  • Annual Fees $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Card Fees

Foreign Transaction Fee 3% of each transaction in U.S. dollars

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater

Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater

Penalty APR None

Ongoing Information

Rewards Rate Unlimited 1.5% cash back on every purchase

Annual Fee $0

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

From the Editorial Team

The Chase Freedom Unlimited card is the latest addition to Chase's already robust list of rewards credit cards. This card offers an unlimited 1.5% cash back on every purchase, everyday. Your cash back earnings are automatic, so you don't have to worry about signing up or enrolling in any special bonus programs. As a welcome bonus to new cardholders, you can earn $150 bonus cash after spending $500 with the card in the first 3 months from account opening.

There is also no annual fee with this credit card, so you can earn rewards without having to ever pay a membership fee. Another perk of the rewards program is that you don't have to wait until you've accumulated a certain amount of cash back before you can redeem your rewards; you can redeem your cash back for any amount, anytime. 

In addition to the generous rewards program, cardholders will enjoy 0% intro APR for 15 months on purchases and balance transfer. After the intro period is up, the ongoing APR will be 15.74% - 24.49% Variable. Overall, the Chase Freedom Unlimited Card is an excellent offer for consumers who want to earn a flat rewards rate on every purchase without paying an annual fee.

Expert Reviews of the Chase Freedom Unlimited℠

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This card earns cosistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases and balance transfers.

The Good

The $150 sign up bonus is higher than most cash back cards, and you'll also earn a better than average rewards rate on all purchases.

The Not so Good

The ongoing APR is a little higher than normal, so it's best to avoid carrying a balance with this credit card. Also, there is a 3% foreign transaction fee, so you may want to refrain from using this card overseas.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.

Consumer Reviews

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Offer Rating


164 Total Ratings

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Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+157 users submitted a rating without a full review

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105 Found this review helpful

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By: | Nov 30, 2016

1;5% cash back; no annual fee

105 Found this review helpful

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By: | Nov 24, 2016

I like this card very much

107 Found this review helpful

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By: | Oct 26, 2016

Could not be without it!

109 Found this review helpful

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By: | Oct 17, 2016

Have this card love it

132 Found this review helpful

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By: | Sep 3, 2016

I have been with the Chase Visa Freedom card since 1993 and must admit it has been very perfect, there have been 5 or 6 times that they have called me to ask about an attempt to purchase something that didn't seem to be right, each time they were right doing a very good job checking on whatever appears to be an attempt for someone to illegally use our CC number!!!!!! That is very impressive!!!!!!!!!!!!!

1 Reply

By: Ann Radebaugh | Apr 1, 2017

Yes they are good at watching

155 Found this review helpful

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By: | Apr 28, 2016

I've had this card for a while now and it has never let me down. I love the rewards I get with this card especially since the 1.5% cash back is unlimited and the rewards do not expire. The Chase website and app are also simple and easy to use to check your balance or make your payments which is another plus in favor of this card.

166 Found this review helpful

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By: | Apr 14, 2016

the chase freedom unlimited credit card is good for me I also have chase freedom card that gives you 5% cash back I can gain points quickly I read some reviews about the new card saying its useless to me its not. some people don't know what they are talking about but chase always been my card never had no problems with chase keep up the good work.

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