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Chase Freedom Unlimited®

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.9/5.0 from 508 Offer Ratings

(508 ) Over the Past 60 Days!

  • Regular Purchase APR 16.49% - 25.24% Variable
  • Intro Purchase APR 0% Intro APR for 15 months
  • Intro BT APR 0% Intro APR for 15 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Chase Freedom Unlimited®

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who the card is best for

The Chase Freedom Unlimited® is a decent option for people who want to use their card for more than a balance transfer or large purchase. You can benefit from a 0% intro period that provides you with a good amount of time to pay off your debt, in addition to a cash-back program that will earn you money on new purchases. People who want to maximize rewards early on can also take advantage of a sign-up bonus to earn more cash back.

This card isn’t designed for people who want to earn high flat-rate cash back, since the cash-back rate is below average. You can earn a higher cash-back rate from a variety of competing cash-back cards. Also, if you’re someone who needs a long period of time to complete a balance transfer or pay off a large purchase, you’re better off with a different card. Other balance transfer cards have intro periods as long as 18 or 21 months that can provide you with the time you need to rid yourself of debt.

Where this card stands out in its category

The Chase Freedom Unlimited® offers a cash-back program: Unlimited 1.5% cash back on every purchase. This is an added perk on top of the balance transfer offer that can earn you rewards on new purchases. There is a sign-up bonus that can increase your rewards in the months after account opening. Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Most balance transfer cards don’t offer such bonuses, therefore this is a great feature of this card and a good way to earn more cash back. Plus, you only need to spend a small amount to attain the bonus.

Where this card falls short in its category

This card charges a balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater. Although most balance transfer cards charge a transfer fee, you can find cards with more favorable fees like the Chase Slate®, potentially allowing you to save hundreds of dollars. Regarding its rewards program, this card offers a low rate for purchases — Unlimited 1.5% cash back on every purchase. You can easily find other cash-back cards that offer a higher rewards rate, even paired with a longer 0% intro period, like the Citi® Double Cash Card – 18 month BT offer.

Additional card benefits

The Chase Freedom Unlimited® has few additional card benefits:

  • Monthly FICO® Score for free: You can check your monthly FICO for free with Credit JourneySM. This is a good feature that can keep you on top of any changes in your credit.
  • Fraud protection: Chase will watch over your account with real-time fraud monitoring and check for possible signs of unauthorized activity.
  • Zero-liability protection: You won’t be liable for any unauthorized charges.

How to use it most effectively

To benefit most from the Chase Freedom Unlimited®, make sure to transfer your balance within 60 days from account opening. Once your transfer is complete, make regular on-time payments with the goal of paying off your balance before the intro period ends. Do the same for any large purchases you may make. This way you successfully use the 0% intro APR to avoid interest. If you plan to use this card to earn rewards, don’t let the prospect of those rewards lure you into overspending. Be aware that the purchase APR is 16.49% - 25.24% variable once the 0% intro period ends. To take advantage of the sign-up bonus, make sure to spend the required amount in the given time period. Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

How to do a balance transfer

The total amount of your balance transfer request including fees and interest charges cannot exceed your available credit or $15,000, whichever is lower. Your balance transfer must be completed within 60 days from account opening in order to take advantage of the $0 intro balance transfer fee and 0% intro APR period.

To complete your balance transfer online, after logging in, click on “Accounts,” then the Chase balance transfer card listed. Click on the “Things you can do” drop-down menu in top right corner, choose “Transfer a balance” and select the Chase balance transfer offer you have been approved for. From there, enter your transfer information and review and submit. Your transfer may take one to three weeks, depending on how quickly the payee processes the transferred amount.

Rewards breakdown

This card has a decent rewards program that will earn you a consistent rate: Unlimited 1.5% cash back on every purchase. Cash back earned can be redeemed for a statement credit, direct deposit, travel and gift cards, and to shop with points at Amazon. The rewards program doesn’t have rotating categories, so you don’t have to worry about activating rewards — you’ll earn the same rate on every purchase, every time you use your Chase Freedom Unlimited® card. There is also a great sign-up bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening..

Compare it with the Chase Slate®

The Chase Freedom Unlimited® is different from the Chase Slate® in two key ways — the balance transfer fee and the rewards. If your primary goal is to complete a balance transfer, then the Chase Slate® shines. Chase Slate® offers an intro balance transfer fee: Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater. Meanwhile the Chase Freedom Unlimited® charges a transfer fee — Either $5 or 5% of the amount of each transfer, whichever is greater. The fee can cost you a good chunk of money, especially if you transfer a large balance. Therefore, people who want to complete a balance transfer are better off with the Chase Slate®.

On the other hand, people who plan on using their card for more than a balance transfer may benefit more from the Chase Freedom Unlimited®. This card offers a rewards program, while the Chase Slate® does not. If you’re someone who wants to earn rewards on new purchases and can accept the balance transfer fee, this card is the better option. See below for a breakdown of the key elements of both cards. *This offer and/or promotion has since changed, expired, or is no longer available.

  Chase Freedom Unlimited® Chase Slate®
Annual Fee $0 $0
Balance Transfer Terms 0% Intro APR for 15 months 0% Intro APR on Balance Transfers for 15 months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater Intro $0 on transfers made within 60 days of account opening. After that: Either $5 or 5%, whichever is greater.
Ongoing APR 0% Intro APR for 15 months 16.49% - 25.24% Variable
Transfer Period 60 days from account opening 60 days from account opening
Rewards Unlimited 1.5% cash back on every purchase Non-rewards card

Bottom Line

The Chase Freedom Unlimited® is an OK option for people looking to complete a balance transfer with the added perk of earning cash back. However, you can do better with competing cards that offer longer balance transfer periods, waive the transfer fee and have more robust cash-back programs.

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.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

3.9/5.0

508 Total Ratings

5 Star
 
 
(41)
4 Star
 
 
(395)
3 Star
 
 
(54)
2 Star
 
 
(13)
1 Star
 
 
(5)

Your Rating

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+494 users submitted a rating without a full review

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7 Found this review helpful

By: | Apr 13, 2018

I love Chase!

3 Found this review helpful

By: | Mar 15, 2018

I have this card and it is everything. Of a truth, you should try it. KDK

15 Found this review helpful

By: | Feb 26, 2018

I love my Chase credit card, have had it for years. They always call immediately if there is any suspicious activity, and customer service is wonderful. Would not want to change cards.

10 Found this review helpful

By: | Feb 24, 2018

I haven't had my card too long . The billing I recieve in the mail is very easy to understand and the printing in clear and easy to read. I like to call in and pay my bill, the company makes that very easy to do as well. No complaints whats so ever so far.

10 Found this review helpful

By: | Feb 22, 2018

Excellent choice! 1-1/2 points per $1 spent.

44 Found this review helpful

By: | Nov 19, 2017

This is my favorite card, hands down. I also have the Chase Sapphire Preferred, Discover It, Chase Slate, and two ENT Credit Union cards. The no hassle 1.5% is great, though other banks like BOA have similar cards. When combined with Ultimate Rewards, it its a better choice vs most no annual fee cards. With Ultimate Rewards, I don't see any competition from other cards in the preferred setting!

28 Found this review helpful

By: | Sep 2, 2017

Quick and reponsible, quality results !!

146 Found this review helpful

By: | Nov 30, 2016

1;5% cash back; no annual fee

147 Found this review helpful

By: | Nov 24, 2016

I like this card very much

148 Found this review helpful

By: | Oct 26, 2016

Could not be without it!

148 Found this review helpful

By: | Oct 17, 2016

Have this card love it

195 Found this review helpful

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

207 Found this review helpful

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.

221 Found this review helpful

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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