Overview

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 16.49% APR to 25.24% APR based on your credit. There is no penalty APR rate for cardholders who are late on payments.

The cash advance rate is 26.49% 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 Chase 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 of 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?

The Chase Freedom Unlimited is a bare-bones cash card that will not impress consumers who are used to high-end credit card perks. But, the card does come with basic benefits including fraud protection and extended warranty protection. 

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.