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  Chase Freedom Unlimited Visa

Chase Freedom Unlimited Visa

in Personal Credit Cards from Chase Bank

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Chase Freedom Unlimited Visa

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in Personal Credit Cards from Chase Bank

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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

Chase Freedom Unlimited Visa Review

Chase Freedom Unlimited Visa 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 is everything you need to know to make a good choice.

Key Takeaways
  • Earn 1.5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
  • 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 rewards card. It gives you rewards 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 up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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 purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Chase Freedom Unlimited Visa Pros & Cons
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.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Chase Freedom Unlimited Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1.5%.
  • Charges a 5% balance transfer fee.
Chase Freedom Unlimited Visa FAQ

Is there a Chase Freedom Unlimited Visa cash back or rewards program?

Chase Freedom Unlimited Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Chase Freedom Unlimited Visa you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Chase Freedom Unlimited Visa Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate 1.5%
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, Chase Freedom Unlimited Visa offers card users a signup bonus worth up to $200 after spending $500.

Does Chase Freedom Unlimited Visa offer an annual loyalty bonus?

Chase Freedom Unlimited Visa doesn't offer a cash loyalty bonus.

What are the Chase Freedom Unlimited Visa benefits?

Chase Freedom Unlimited Visa provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chase Freedom Unlimited Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Chase Freedom Unlimited Visa has lower than average purchase 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 introductory APR offer on balance transfers?

No, Chase Freedom Unlimited Visa does not come with an introductory APR offer for balance transfers.

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

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

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

What are the fees for Chase Freedom Unlimited Visa?

The following fees apply to Chase Freedom Unlimited Visa:

  • 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

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 a foreign transaction fee.

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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
Bonus Rewards $200 cash back after you spend $500 on purchases in the first 3 months from account opening.
No Reward Expiration Period  
Rewards Rates Every Purchase
Signup Bonus $200
Rewards Type Cash Back
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%

Chase Freedom Unlimited Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

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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