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  Chase Freedom Unlimited

Chase Freedom Unlimited

in Personal Credit Cards from Chase Bank

Claimed

Chase Freedom Unlimited

Claimed

in Personal Credit Cards from Chase Bank

Net Recommendation Score +100% 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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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR  (Variable APR) 16.99% - 25.74%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 16.99% - 25.74%

Chase Freedom Unlimited Review

Chase Freedom Unlimited 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. This is everything you need to know to make a good choice.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of $200 if you spend $500.
  • Competitive APRs. Chase Freedom Unlimited has a variable purchase APR of up to 25.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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 extended warranty protection on purchases, purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
The Good The Bad
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Chase Freedom Unlimited reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Extended warranty on purchases.
  • Charges a foreign transaction fee of 3%.

Is there a Chase Freedom Unlimited cash back or rewards program?

Chase Freedom Unlimited is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Chase Freedom Unlimited 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.

Chase Freedom Unlimited Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $200
Signup Bonus Spend Requirement $500

Does Chase Freedom Unlimited have a signup bonus?

Yes, Chase Freedom Unlimited offers card users a signup bonus worth up to $200 after spending $500.

Does Chase Freedom Unlimited offer an annual loyalty bonus?

Chase Freedom Unlimited doesn't offer a cash loyalty bonus.

What are the Chase Freedom Unlimited benefits?

Chase Freedom Unlimited provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Chase Freedom Unlimited?

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 has a variable purchase APR that ranges from 16.99% up to 25.74%. The card has a variable balance transfer APR that ranges from 16.99% up to 25.74%. It also has a variable cash advance APR starting at 26.99% .

Does Chase Freedom Unlimited have an introductory APR offer on balance transfers??

Yes, Chase Freedom Unlimited offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Chase Freedom Unlimited Balance Transfers
Description
Balance Transfer APR 16.99% - 25.74%
Introductory Rate 0%
Intro APR period (months) 15

Does Chase Freedom Unlimited 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.

What are the Chase Freedom Unlimited fees?

The following fees apply to Chase Freedom Unlimited:

  • There is no overlimit fee
Chase Freedom Unlimited Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $39
Late Payment Fee $39

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 a foreign transaction fee.

Does Chase Freedom Unlimited report your account activity to credit bureaus?

Chase Freedom Unlimited 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

  • 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 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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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) 1.5% on every purchase
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Returned Payment Fee $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Rewards
  • Zero Percent
Card Network
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
Signup Bonus $200
Cash Advance APR (Variable APR) Starting at 26.99%
Purchase APR (Variable APR) 16.99% - 25.74%
Introductory Rate 0%
Balance Computation daily balance method (including new transactions)
Intro APR period 15
Balance Transfer APR (Variable APR) 16.99% - 25.74%
Introductory Rate 0%
Intro APR period 15

Chase Freedom Unlimited Community Reviews

 

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