Last Updated: 10/08/2025
SuperMoney User Recommendation Score +88
Strongly recommended24 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.99% - 28.49%(Verified 03/21/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.99% - 28.49%(Verified 03/21/2025)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0
Disclaimer popup with additional information
Number of Reviews
Chase Freedom Unlimited® Review
This is a cashback credit card issued by Chase Bank. If you're wondering whether Chase Freedom Unlimited® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.99% up to 28.49%.
- 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.$0
- A 5% balance transfer fee. Chase Freedom Unlimited® charges a 3% balance transfer during the intro period charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees after the intro period. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Chase Freedom Unlimited
| The Good | The Bad |
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Chase Freedom Unlimited FAQ
Does Chase Freedom Unlimited 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back (1.5% on all other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Freedom Unlimited have a signup bonus?
Yes. Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Does Chase Freedom Unlimited offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Freedom Unlimited benefits?
Chase Freedom Unlimited® 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Chase Freedom Unlimited® has a variable purchase APR that ranges from 18.99% up to 28.49%. The card has a variable balance transfer APR that ranges from 18.99% up to 28.49%. It also has a variable cash advance APR of 29.24% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Chase Freedom Unlimited have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.99% - 28.49% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $5 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 3% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Freedom Unlimited 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 15 months.
What are the fees for Chase Freedom Unlimited?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
Chase Freedom Unlimited charges a foreign transaction fee of up to 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?
The customer service number for Chase Freedom Unlimited is (877) 242-7372.
What is the support contact email for Chase Freedom Unlimited?
The support contact email for Chase Freedom Unlimited is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Freedom Unlimited?
Overall, Chase Freedom Unlimited is strongly recommended based on community reviews that rate customer service and user experience.
Does Chase Freedom Unlimited® report your account activity to credit bureaus?
Yes, Chase Freedom Unlimited® reports to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Freedom Unlimited performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Freedom Unlimited
- Visit the website of Chase Freedom Unlimited.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Chase Freedom Unlimited® Community Reviews
Would you recommend Chase Freedom Unlimited® to your friends?
Abduvali T.
Dec 15, 2022
May or may not recommend
I don't like chace credit cards because too much time need for open credit card for example I have open 2 months before but I haven't take yet I
SM
Sandra M.
Nov 29, 2022
May or may not recommend
The chase freedom. Has confidence they don't make you work for it but there very good
MH
Mohamed H.
Nov 27, 2022
May or may not recommend
An amazing credit card has tons of perks, it requires a fairly high credit score but it is definitely worth it, the chase app is amazing, I could lock and unlock the card in the app and redeem my points.
I have peace of mind in having this card because all of the security features
and rewards points are excellent.
customer service is great.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Reliable and confident,stable to used than other credit card product
CO
Christopher O.
Nov 22, 2022
May or may not recommend
Reliable and confident,stable to used than other credit card product
Michael L.
Oct 15, 2022
May or may not recommend
The account opening cash back is great, but I used mainly for my traveling expense. However, if you use this card abroad, there is an international service fee which eventually will add up. Overall I'd give it a maybe just because I liked some of the perks but disliked others
JH
Janis H.
Oct 5, 2022
May or may not recommend
Chase Bank is an institution with consistent and trustworthy being just 2 of the ways to describe them. my credit card is fairly balanced. I have a low Apr and a reliable method of getting cash from the many locations and ATMs. I recommend the Chase card.
FH
Fred H.
Sep 23, 2022
May or may not recommend
Chase is a big bank and some people will take a biased view of them before even trying the bank’s services. I like efficiency and multiple locations – drive-throughs & ATMs – that is a must to me, Chase fits all of the above. The Custome Service is excellent along with their money transfer system, auto financing, home mortgages, and much more. The online banking system is excellent and with ...Show More
KL
Kendra L.
Jun 3, 2022
May or may not recommend
This is my oldest credit card account and I’ve never had a single complaint. This card has a lot of cash back potential, the 0% APR for 15 months is amazing and this account has never charged me a fee in the entire time I’ve had it. You can earn a ton of cash back points if you pay attention to the “category” deals they offer. I had to refute ...Show More
IH
Irem H.
Feb 22, 2022
May or may not recommend
Easy card to use without any annual fees. It has great rate of giving cash back on grocery shopping! I would definitely get this card especially if I have checking account from Chase! Highly recommended!
Karina V.
Feb 17, 2022
May or may not recommend
As a Chase customer, I had to try this credit card. I've had it for about 3 years now and I have no complaints. It's my number one used credit card. It's convenient and the rewards points it offers is my favorite part because I just use the points earned to convert back to a credit on my purchases. I love that it has no annual fee, I just ...Show More
DC
Daniel C.
Feb 17, 2022
May or may not recommend
If you spend a lot on groceries like me then this card would be a great option as it offers 5% cash back on grocery purchases and relatively low APR's so you could potentially save a lot with this card.
CH
Chase H.
Jan 27, 2022
May or may not recommend
I would highly recommend this card no matter what your current experience with credit may be. I applied for the Freedom Unlimited as my first credit card a while back and it offers great benefits like a $200 bonus after spending $500 (over 3 months), no annual fee, and great cash back. It is easy to manage all of this on the Chase Mobile app. I have not had any ...Show More
JE
Jerome E.
Dec 21, 2021
May or may not recommend
Good no annual fee credit card to earn extra Chase Ultimate Reward points on their quarterly bonus categories.
YC
Y C.
Mar 12, 2021
May or may not recommend
I have been a client of Chase using the Chase Freedom Unlimited Visa Personal Credit Cards for many years now. It was my first credit card out of college as I did not want to spend any money on annual fees. This credit card is affordable, easy to use, and has surprisingly great benefits like PeacockTV and more!
EO
Evan O.
Feb 27, 2021
May or may not recommend
This is a great starter card if you are looking to get into the cashback credit card game. It is easy to get approved for, and has no annual fee. The $200 cash back reward after only $500 spent is a no brainer. I personally use this card for dining out and when travelling as the 5% cashback for these services is better than any rate you will find ANYWHERE. ...Show More
BW
Brennan W.
Feb 24, 2021
May or may not recommend
Online banking made this a breeze for paying off my statements, it also allowed me to link it to my other Chase banking accounts and see them all at once. Free credit score checks were available on the online banking platform as well. Amazing starter credit card with good benefits and low APR.
TM
Tadgh M.
Jan 25, 2021
May or may not recommend
I would definitely recommend this card. Their points system is easy to understand - which makes it even easier to get money back on all your purchases! There's no annual or hidden fees - what you see is what you get! And luckily what you get is great costumer service with a reliable company!
BA
Brian A.
Dec 16, 2020
May or may not recommend
I like the card overall, but it has a couple of minor drawbacks. The sign-on bonus is easy to achieve and the rewards are pretty standard for a credit card without an annual fee. I like that I can monitor all of my activity and pay my bills easily through Chase's app and website. However, I don't recommend traveling with this card as it does charge a foreign transaction fee.
JB
Jake B.
Dec 1, 2020
May or may not recommend
I highly recommend this credit card for just about anyone. You do need a little credit history to get the card. The freedom card has no annual fees, a pretty average variable APR, and there is a sign up bonus + rewards. I have used this card for a couple years now and my family members have also used it. I recommend this card because it has fair policies and ...Show More
Showing 20 of 24 reviews
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