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3.7/5.0 from 125 Offer Ratings
Chase Freedom Unlimited®
Card Details
Regular Purchase APR
14.99% - 23.74% Variable
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Intro BT APR
0% Intro APR on Balance Transfers for 15 months
Annual Fee
$0
Credit Needed
Excellent/Good
Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Card Fees
-
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
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Penalty APR
Up to 29.99%
-
Foreign Transaction Fee
3% of each transaction in U.S. dollars
-
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater
Ongoing Information
-
Rewards Rate
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
-
Annual Fee
$0
Expert Reviews
- 3.0 Regular APR
- 4.0 Intro APR
- 4.0 Fees
- 5.0 Benefits
- 4.0
/5 Overall Rating
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 CompareCards.com 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 enjoy 5% cash back on travel purchased through chase ultimate rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. 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 an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. that’s 6.5% on travel purchased through chase ultimate rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
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 on Purchases for 15 months on purchases. After the intro period is up, the ongoing APR will be 14.99% - 23.74% 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.
The Good
- The sign up bonus for this card 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 foreign exchange fee of 3% of each transaction in U.S. dollars, so you may want to refrain from using this card overseas.
The Bottom Line
This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases.
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
(125 Reviews)
Offer Rating
3.7 out of 5.0
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+109 users submitted a rating without a full review
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68 Found this review helpful
By: Wayne Kindred | Oct 8, 2018
I love this credit card. They always correct all charges. Help me when I get any unwanted charges.
63 Found this review helpful
By: Steve Mikels | Jul 31, 2018
We love the 1.5% cashback rewards. It accumulates to a nice check quickly!
34 Found this review helpful
By: Kevin Du Brey | Mar 15, 2018
I have this card and it is everything. Of a truth, you should try it. KDK
83 Found this review helpful
By: Ronda Seidule | 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.
65 Found this review helpful
By: Tina Vandeweghe | 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.
41 Found this review helpful
By: Doug Owen | Feb 22, 2018
Excellent choice! 1-1/2 points per $1 spent.
101 Found this review helpful
By: R Kenneth ONeal | 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!
59 Found this review helpful
By: James S Ross | Sep 2, 2017
Quick and reponsible, quality results !!
168 Found this review helpful
By: Marian J Rubchak | Nov 30, 2016
1;5% cash back; no annual fee
168 Found this review helpful
By: Mary Carson | Nov 24, 2016
I like this card very much
169 Found this review helpful
By: Maureen Jawor | Oct 26, 2016
Could not be without it!
165 Found this review helpful
By: Althea Beckford | Oct 17, 2016
Have this card love it
249 Found this review helpful
By: Mike Warrick | 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
256 Found this review helpful
By: Johnny Quest | 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.
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