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Chase Freedom Unlimited®

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 18 Offer Ratings

(18) Over the Past 60 Days!

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  • Regular Purchase APR 16.49% - 25.24% 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®

Card Details

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 16.49% - 25.24%.
  • 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

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

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.

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

Penalty APR Up to 29.99%

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

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 CompareCards.com Editorial Team

The Chase Freedom Unlimited® card is the latest addition to Chase's already robust list of rewards credit cards. With this card, you can 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 16.49% - 25.24% 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

    Fees

  • 5.0

    Benefits

  • star rating 4.0/5

    Overall Rating

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.

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.

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

3.8/5.0

18 Total Ratings

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