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  Chase Freedom Unlimited Visa

Chase Freedom Unlimited Visa

in Personal Credit Cards from Chase Bank

Claimed

Chase Freedom Unlimited Visa

Claimed

in Personal Credit Cards from Chase Bank

SuperMoney Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

11 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 14.99% - 23.74%
Balance Transfer APR  (Variable APR) 14.99% - 23.74%
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 11

Chase Freedom Unlimited Visa Review

This is a cashback credit card issued by Chase Bank. If you're wondering whether Chase Freedom Unlimited Visa is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $500 within 3 months.
  • Competitive APRs. Chase Freedom Unlimited Visa has a variable purchase APR that ranges from 14.99% up to 23.74%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Chase Freedom Unlimited Visa charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above640.
Pros & Cons of Chase Freedom Unlimited Visa
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • Chase Freedom Unlimited Visa reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
  • Charges a 5% balance transfer fee.
Chase Freedom Unlimited Visa FAQ

Does Chase Freedom Unlimited Visa have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

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Chase Freedom Unlimited Visa Rewards
Minimum rewards rate 1.5x
Max rewards rate 1.5x
Annual rewards limit N/A
Signup Bonus ($) $200
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Chase Freedom Unlimited Visa have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200 after spending $500.

Does Chase Freedom Unlimited Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Chase Freedom Unlimited Visa benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Chase Freedom Unlimited Visa?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 23.74%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.74%. It also has a variable cash advance APR of 24.99% .

Does Chase Freedom Unlimited Visa have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Chase Freedom Unlimited Visa have an intro APR offer on new purchases?

Chase Freedom Unlimited Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Chase Freedom Unlimited Visa?

The following fees apply:

  • There is no overlimit fee
Chase Freedom Unlimited Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Chase Freedom Unlimited Visa have a foreign transaction fee?

Chase Freedom Unlimited Visa charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Chase Freedom Unlimited Visa?

The Chase Freedom Unlimited Visa customer service number is (877) 242-7372.

What is the support contact email for Chase Freedom Unlimited Visa?

The support contact email for Chase Freedom Unlimited Visa is customerdepartament@chase.com.

How do people rate the customer service and user experience of Chase Freedom Unlimited Visa?

Overall, Chase Freedom Unlimited Visa is strongly recommended based on community reviews that rate customer service and user experience.

Does Chase Freedom Unlimited Visa report your account activity to credit bureaus?

Yes, Chase Freedom Unlimited Visa reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Chase Freedom Unlimited Visa

  • Visit the Chase Freedom Unlimited Visa website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 1.5% cash back on every purchase.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
  • Travel Assistance
  • Trip Cancellation Insurance
No Reward Expiration Period
Rewards Categories
  • 5% Cash Back on Groceries up to $12000 annually
  • 5% Cash Back on
  • 1.5% Cash Back on Every Purchase
Signup Bonus Starting at $200
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions)
Purchase APR (Variable APR) 14.99% - 23.74%
Balance Transfer APR (Variable APR) 14.99% - 23.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Rewards
  • Zero Percent
Card Network Visa

Chase Freedom Unlimited Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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