
Chase Freedom Unlimited Visa
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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 | 17 |
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.
- 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 eligible 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 odds if your credit score is above 640.
The Good | The Bad |
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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 $15 back in cash.
Minimum rewards rate | 1.5x |
Max rewards rate | 1.5x |
Annual rewards limit | N/A |
Signup Bonus ($) | $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. This card has lower than average regular APRs.Chase Freedom Unlimited Visa 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?
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
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 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.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - Visit Site
- Email Support
Other Services by Chase Bank
Availability
- 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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
Chase Freedom Unlimited Visa Community Reviews
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