Chase Freedom Unlimited
in Personal Credit Cards from Chase Bank
Cast your vote
Would you recommend Chase Freedom Unlimited to your friends?
| Community Rating |
Rating not yet determined |
| 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 |
|---|---|
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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 $15 back in cash.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $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.
| 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
| 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.
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Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - 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) | 1.5% on every purchase |
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(Variable APR)
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17.99% - 24.99%
(Variable APR)
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700 - 850
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Purchase APR
17.99% - 24.99%
(Variable APR)
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17.99% - 24.99%
(Variable APR)
Credit Score Range
670 - 850
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$95
Purchase APR
17.99% - 24.99%
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17.99% - 24.99%
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670 - 850
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$95
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17.99% - 24.99%
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17.99% - 24.99%
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690 - 850
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600 - 850
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Balance Transfer APR
17.49% - 24.49%
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Credit Score Range
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Purchase APR
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