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Chase Freedom Unlimited Visa

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SuperMoney Net Recommendation Score +96  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +96, equating to 4.9 on a 5 point rating scale.

+96

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

23 users recommend
1 user is unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 17.99% - 26.74%
(Verified 10/28/2022)
Balance Transfer APR  (Variable APR) 17.99% - 26.74%
(Verified 10/28/2022)
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 24

Chase Freedom Unlimited Visa Review

This is a cashback credit 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 17.99% up to 26.74%.
  • 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, trip cancellation insurance, 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
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 17.99% up to 26.74%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • Chase Freedom Unlimited Visa reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
  • Charges a 5% balance transfer fee.

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.

Chase Freedom Unlimited Rewards
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 17.99% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.99% up to 26.74%. It also has a variable cash advance APR of 27.99% . 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.

Chase Freedom Unlimited Visa Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 17.99% - 26.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

Does Chase Freedom Unlimited have an intro APR offer on new purchases?

Chase Freedom Unlimited Visa Purchase Intro Offer
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
Chase Freedom Unlimited Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • 6.5% Cash Back on Travel
  • 5% Cash Back on Groceries up to $12000 annually
  • 5% Cash Back on
  • 1.5% Cash Back on Every Purchase
Signup Bonus Starting at $200
Cash Advance APR (Variable APR) 27.99%
APR Type Variable APR
Balance Computation daily balance method (including new transactions)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.99% - 26.74%
(Verified 10/28/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 17.99% - 26.74%
(Verified 10/28/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

Chase Freedom Unlimited Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +96, equating to 4.9 on a 5 point rating scale.

+96

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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