
Best Of Product
Chase Freedom Unlimited Visa
Would you recommend Chase Freedom Unlimited Visa to your friends?
Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
19.24% - 27.99% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
19.24% - 27.99% (Verified 08/04/2023) |
Credit Score Range | 640 - 850 |
Annual Fee | $0 |
Number of Reviews | 25 |
Chase Freedom Unlimited Visa Review
This is a cashback card issued by Chase Bank. If you're wondering whether Chase Freedom Unlimited is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 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 up to $200 if you spend $500 within 3 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 27.99%.
- 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 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 your credit score is above 640.
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. 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 $15 back in cash.
Minimum rewards rate | 1.5x |
Max rewards rate | 1.5x |
Annual rewards limit | N/A |
Signup Bonus ($) | Starting at $200 |
Signup Bonus Spend Requirement | $500 |
Signup Bonus Spend Period (months) | 3 months |
Does Chase Freedom Unlimited have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 after spending $500.
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?
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?
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 higher than average regular APRs.Chase Freedom Unlimited Visa has a variable purchase APR that ranges from 19.24% up to 27.99%. The card has a variable balance transfer APR that ranges from 19.24% up to 27.99%. 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 up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 19.24% - 27.99% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 5% |
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 up to 15 months.
What are the fees for Chase Freedom Unlimited?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Initial Program Fee | $ |
Foreign Transaction Fee | 3% |
Returned Payment Fee | Starting at $ up to $40 |
Late Payment Fee | Starting at up to $40 |
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 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 Chase Freedom Unlimited customer service number 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.
What is the Chase Freedom Unlimited login page?
You can access the Chase Freedom Unlimited login page here.
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 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
- Visit the Chase Freedom Unlimited 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 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
Other Credit Cards by Chase Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 15 months |
Chase Freedom Unlimited Visa Community Reviews
Would you recommend Chase Freedom Unlimited Visa to your friends?
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