Who is Chase Freedom Unlimited Designed For?

The Chase Freedom Unlimited is designed for people who are looking for a straightforward cash back card with no caps, no annual fee, and a decent sign-up bonus. Its 15-month 0% APR introductory offer makes a great deal for people with credit card debt.

What are the Rates for Chase Freedom Unlimited?

The purchase and balance transfer rates range from 15.49% APR to 24.24% APR based on your credit. There is no penalty APR rate for cardholders who are late on payments.

The cash advance rate is 25.49% APR.

What Are the Fees for Chase Freedom Unlimited?

The Chase Freedom Unlimited does not charge an annual fee. It does, however, charge a 3% foreign transactions fee and a 5% or $5 fee, whichever is great, on balance transfers.

It also has a $10 or 5% cash advance fee and a late payment/returned payment fee of up to $37.

What Is the Chase Freedom Unlimited Rewards Program Like?

The Chase Freedom Unlimited rewards program is as simple as they come. You get a 1.5% cash back on all purchases. No categories and no limits to the rewards you can earn.

A great feature of the Case Freedom Unlimited rewards program is you can convert cash back points to Ultimate Rewards points. Ultimate Rewards is Chase’s award-winning rewards program, which gives you access to discounted travel deals and perks. The Freedom Unlimited can be a great card to top up your reward points when you have other cards that work off Chase’s Ultimate Rewards program.

What about the Chase Freedom Unlimited Signup Bonus?

Spend $500 within the first three months and you receive a $150 cash back bonus. If you add an authorized user, you earn another $25.

Does the Chase Freedom Unlimited Have Any Other Benefits?

Not really. The Chase Freedom Unlimited is a bare bones cash card that will not impress consumers who are used to high-end credit card perks.

How Is Chase Freedom Unlimited Better Than Other Credit Cards?

The Chase Freedom Unlimited combines no annual fee with a 1.5% cash back on all purchases. That is a winning combination for anyone looking for a simple but generous cash back card. It gives you the option of redeeming cash back points for Ultimate Rewards points, which makes it a smart choice for people who already have a Chase’s Sapphire card. Add to that the option of redeeming cash back points for Ultimate Rewards points and a 15-month 0% APR intro offer, and you can see why this card is so popular.

  • Credit Score Range
    640 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest (Months)
  • Late Payment Penalty
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • No Annual Fee
  • Card Type
    • Cash Back
    • Rewards
    • Zero Percent
  • Card Network
  • Extended Warranty
  • Fraud Liability
  • Every Purchase
  • Rewards Categories
    Every Purchase
  • Signup Bonus
  • Purchases APR (variable)
    15.49% - 24.24%
  • Transfer Fee
    5% ($5 minimum)
  • Balance Transfer APR (variable)
    15.49% - 24.24%
  • Intro APR period (months)
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