Chase Freedom Unlimited® credit card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 23.74% (Variable) (0% for the first 15 months)
Balance Transfer
14.99% ‐ 23.74% (Variable)
Rewards
1.5% cashback
Signup Bonus
$200 after spending $500


8.8/10
Informr score
The Chase Freedom Unlimited® credit card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 42 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Chase Freedom Unlimited® credit card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Business Insider

Overall, the Freedom Unlimited is a compelling cash-back credit card for anyone looking to earn with a simple, easy-to-understand rewards program and no annual fee. While it doesn't offer the very best cash-back rate out there, it does come with some valuable benefits that competing cash-back cards...

- Eric Rosenberg, Business Insider
One Mile at a Time

The Freedom Unlimited is the credit card that I’ve spent the most money on over the past few years. It’s a vital card as part of an overall strategy for earning Chase Ultimate Rewards points, especially in conjunction with the Sapphire Preferred or Sapphire Reserve. Let me make my advice as concise...

- Ben, One Mile at a Time
WalletHub

A great credit card for people with good credit or better who want solid rewards and the opportunity to save on interest, without paying an annual fee. The Freedom Unlimited Card offers above-average rewards, giving 1.5% Cash Back on all purchases, plus an initial bonus of $150 for spending $500 wit...

- John S Kiernan, WalletHub
CreditCards.com

The Chase Freedom Unlimited card offers a good sign-up bonus and a flat 1.5 percent cash back rate on general purchases for cardholders who want to keep things simple, plus it’s a great starter card for collecting Chase Ultimate Rewards.

- Robin Ratcliff, CreditCards.com
HighYa

Those looking for a daily cash-back card with easy-to-understand rewards will be satisfied with the Chase Freedom Unlimited card. If you’re looking to get into the cash back game, this is definitely a solid option to consider.

- Zina Kumok, HighYa

Details


Interest Rates
Regular APR Interest Rate 14.99% ‐ 23.74% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 23.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on Lyft

Features & Benefits
Additional Card Holders Yes


Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

Get a complimentary 3 months of DashPass, DoorDash's subscription service. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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