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  Chase Freedom Unlimited

Chase Freedom Unlimited

in Personal Credit Cards from Chase Bank

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Chase Freedom Unlimited

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 16.49% - 25.24%
Balance Transfer APR  (Variable APR) 16.49% - 25.24%
Credit Score Range 640 - 850

Chase Freedom Unlimited Review

Chase Freedom Unlimited is a cashback credit card issued by Chase Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether Chase Freedom Unlimited is the right card for you, read on. This is everything you need to know to make a good choice.

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

Chase Freedom Unlimited is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Chase Freedom Unlimited 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 Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $150
Signup Bonus Spend Requirement $500

Does Chase Freedom Unlimited have a signup bonus?

Yes, Chase Freedom Unlimited offers card users a signup bonus worth up to $150 after spending $500.

Does Chase Freedom Unlimited offer an annual loyalty bonus?

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

What are the Chase Freedom Unlimited benefits?

Chase Freedom Unlimited provides the following benefits:

  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chase Freedom Unlimited?

Chase Freedom Unlimited has a variable purchase APR that ranges from 16.49% up to 25.24%. The card has a variable balance transfer APR that ranges from 16.49% up to 25.24%.

It also has a variable cash advance APR starting at 26.49% .

Does Chase Freedom Unlimited have an introductory APR offer?

Yes, Chase Freedom Unlimited offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

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

Chase Freedom Unlimited Rates & Terms
Purchase APR 16.49% - 25.24%
Balance Transfer APR 16.49% - 25.24%
Cash Advance APR Starting at 26.49%

What are the Chase Freedom Unlimited fees?

The following fees apply to Chase Freedom Unlimited:

  • There is no overlimit fee
    Chase Freedom Unlimited Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 5%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee $37
    Late Payment Fee $37

    Does Chase Freedom Unlimited have a foreign transaction fee?

    Chase Freedom Unlimited 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 report your account activity to credit bureaus?

    Chase Freedom Unlimited 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 score.

    How to apply for Chase Freedom Unlimited

    • Visit the Chase Bank website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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...
  • Availability

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

    No Interest Grace Period for Late Payment 21
    Over-Limit Fee $0
    Minimum Interest Charge $0
    Annual Fee $0
    No Annual Fee  
    Returned Payment Fee $37
    Late Fee Amount $37
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $5
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Credit Score Range 640 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Extended Warranty  
    Fraud Liability  
    Credit Card Benefits
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Purchase Protection
    Rewards Categories
    • Every Purchase
    Every Purchase 1.5%
    No Reward Expiration Period  
    Signup Bonus $150
    Purchase APR (Variable APR) 16.49% - 25.24%
    Cash Advance APR (Variable APR) Starting at 26.49%
    Balance Computation daily balance method (including new transactions)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 16.49% - 25.24%
    Introductory Rate 0%
    Intro APR period 15

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