Chase Freedom Unlimited Visa
in Personal Credit Cards from Chase Bank
Cast your vote
Would you recommend Chase Freedom Unlimited Visa to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 16.49% - 25.24% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.49% - 25.24% |
| Rewards Rates | Every Purchase |
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 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 $200 if you spend $500 within 3 months.
- Competitive APRs. Chase Freedom Unlimited Visa has a variable purchase APR that ranges from 16.49% up to 25.24%.
- 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.
- 3% Balance transfer fee. Chase Freedom Unlimited Visa charges a fee of up to 3% on balance transfers, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $30 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 rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, trip cancellation insurance, 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 and Cons:
| The Good | The Bad |
|---|---|
|
|
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 $15 back in cash.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | 1.5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $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:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Assistance
- 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 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 of 26.49% .
Does Chase Freedom Unlimited Visa have an introductory APR offer on balance transfers?
Yes, Chase Freedom Unlimited Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 16.49% - 25.24% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | 5% |
| Balance Transfer Fee Intro Period (days) | 60 |
| Balance Transfer Fee Minimum | $5 |
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.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 15 |
What are the Chase Freedom Unlimited Visa fees?
The following fees apply to Chase Freedom Unlimited Visa:
- There is no overlimit fee
| 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 score.
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.
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Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - (877) 242-7372
- Visit Site
Other Services by Chase Bank
View all personal credit cards offered by Chase Bank
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. |
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