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Chase Freedom Unlimited

in Personal Credit Cards

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Chase Freedom Unlimited

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in Personal Credit Cards

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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.

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Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
21
Over-Limit Fee
$0
Minimum Interest Charge
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Foreign Currency Transaction Fee
3%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
640 - 850
850 300 640
Minimum Age
18
Customer Type
Personal
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cash Back
  • Rewards
  • Zero Percent
Card Network
  • Visa
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
Extended Warranty
Fraud Liability
Rewards Categories
  • Every Purchase
Every Purchase
1.5%
No Reward Expiration Period
Signup Bonus
$150
Purchases APR (variable)
16.49% - 25.24%
0% 29%
Balance Computation
daily balance method (including new transactions)
Introductory Rate
0%
Balance Transfer APR (variable)
16.49% - 25.24%
8% 29%
Transfer Fee
5%
Transfer Fee Minimum
$5
Transfer Fee
5% ($5 minimum)
Introductory Rate
0%
Intro APR period (months)
15

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