Chase Freedom Unlimited review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 25.99% (0% for the first 15 months)
Balance Transfer
17.24% ‐ 25.99% (0% for the first 15 months)
Rewards
1.5% cashback
Signup Bonus
-


8.6/10
Informr score
The Chase Freedom Unlimited currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 35 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Chase Freedom Unlimited 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...


Credible

If you are looking for a simple cash back card, and don’t want to keep track of rotating categories, the Chase Freedom Unlimited Card may be just what you need. But if you like the excitement of a quarterly bonus rewards program, are a frequent traveler, or regularly make use of cash advances, you m...

- Tim Stobierski, Credible
NerdWallet

With no minimum redemptions and plenty of options for cashing in on rewards, it offers more flexibility than we’ve seen in other Chase cards. It doesn't come with the highest ongoing flat-rate cash-back rate, but it starts out with quite a bang. For consumers looking for a card that offers versatili...

- Claire Tsosie, NerdWallet
Money Crashers

Freedom Unlimited’s flat, unlimited 1.5% earning rate on all purchases isn’t the most generous cash back deal on the planet, but it’s much easier to manage. And that’s welcome news for busy cardholders who don’t want to think twice about which card to use in any given circumstance.

- Brian Martucci, Money Crashers
Cardcruncher

The Chase Freedom Unlimited is a great card if you pair it with another Chase card that earns Ultimate Rewards points. On its own, its 1.5% cash back is solid, but not the best on the market. But if you like banking with Chase, and you pair the Chase Freedom Unlimited with a premium card, you’ll hav...

- TJ Porter, Cardcruncher
The Wirecutter

The Chase Freedom Unlimited offers a 15-month intro APR period, which is at the longer end of the cards we analyzed. This gives you ample time to pay off a big purchase. But unlike some cards with lengthy promotional periods, the Freedom Unlimited is no throwaway card: It charges no annual fee and h...

- Sally French, The Wirecutter

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 25.99% (0% for the first 15 months)

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

Balance Transfer Interest Rate 17.24% ‐ 25.99% (0% for the first 15 months)

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

Cash Advance Interest Rate 27.24%

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 $38.00

Maximum

Promotions
Sign up bonus

Earn 3% cash back on all purchases in your first year up to $20,000 spent.

Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes

Earn a $25 bonus when you add your first authorized user and make your first purchase within this same 3-month period.

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
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
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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Critic Reviews


Credible

A simple cash back card regardless of the type of purchase

from Credible

If you are looking for a simple cash back card, and don’t want to keep track of rotating categories, the Chase Freedom Unlimited Card may be just what you need. But if you like the excitement of a quarterly bonus rewards program, are a frequent traveler, or regularly make use of cash advances,...More

If you are looking for a simple cash back card, and don’t want to keep track of rotating categories, the Chase Freedom Unlimited Card may be just what you need. But if you like the excitement of a quarterly bonus rewards program, are a frequent traveler, or regularly make use of cash advances, you might want to check out some of our partner’s other cards.

Read full review

Less

NerdWallet

Flat-rate cash back with a twist

from NerdWallet

With no minimum redemptions and plenty of options for cashing in on rewards, it offers more flexibility than we’ve seen in other Chase cards. It doesn't come with the highest ongoing flat-rate cash-back rate, but it starts out with quite a bang. For consumers looking for a card that offers versatility and value, this one is a strong choice.

Read full review

With no minimum redemptions and plenty of options for cashing in on rewards, it offers more flexibility than we’ve seen in other Chase cards. It doesn't come with the highest ongoing flat-rate cash-back rate, but it starts out with quite a bang. For consumers looking for a card that offers versatility and value, this one is a strong choice.

Read full review

Less

Money Crashers

Freedom Unlimited does away with the original Freedom’s rotating cash back

from Money Crashers

Freedom Unlimited’s flat, unlimited 1.5% earning rate on all purchases isn’t the most generous cash back deal on the planet, but it’s much easier to manage. And that’s welcome news for busy cardholders who don’t want to think twice about which card to use in any given circumstance.

Read full review

Freedom Unlimited’s flat, unlimited 1.5% earning rate on all purchases isn’t the most generous cash back deal on the planet, but it’s much easier to manage. And that’s welcome news for busy cardholders who don’t want to think twice about which card to use in any given circumstance.

Read full review

Less

Cardcruncher

Earn 1.5% cash back on everything

from Cardcruncher

The Chase Freedom Unlimited is a great card if you pair it with another Chase card that earns Ultimate Rewards points. On its own, its 1.5% cash back is solid, but not the best on the market. But if you like banking with Chase, and you pair the Chase Freedom Unlimited with a premium card, you’ll have a winning combination.

Read full review

The Chase Freedom Unlimited is a great card if you pair it with another Chase card that earns Ultimate Rewards points. On its own, its 1.5% cash back is solid, but not the best on the market. But if you like banking with Chase, and you pair the Chase Freedom Unlimited with a premium card, you’ll have a winning combination.

Read full review

Less

The Wirecutter

A useful 0% APR credit card that’s also a decent rewards card overall

from The Wirecutter

The Chase Freedom Unlimited offers a 15-month intro APR period, which is at the longer end of the cards we analyzed. This gives you ample time to pay off a big purchase. But unlike some cards with lengthy promotional periods, the Freedom Unlimited is no throwaway card: It charges no annual fee a...More

The Chase Freedom Unlimited offers a 15-month intro APR period, which is at the longer end of the cards we analyzed. This gives you ample time to pay off a big purchase. But unlike some cards with lengthy promotional periods, the Freedom Unlimited is no throwaway card: It charges no annual fee and has a decent rewards rate (unlimited 1.5 points on all purchases), making this a card you may want to keep in your wallet even after the 0% intro period expires.

Read full review

Less

Travel Update

A great complement to other UR earning cards

from Travel Update

The Chase Freedom Unlimited is a balanced alternative to its sibling, the Chase Freedom. It’s also great complement to the Chase Sapphire cards and Chase Ink Business Preferred card. If you are looking for just one card or for cash back, the Freedom Unlimited is not the best option. But as part...More

The Chase Freedom Unlimited is a balanced alternative to its sibling, the Chase Freedom. It’s also great complement to the Chase Sapphire cards and Chase Ink Business Preferred card. If you are looking for just one card or for cash back, the Freedom Unlimited is not the best option. But as part of a wallet with multiple Chase cards, it’s fantastic.

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CreditCards.com

High general rewards rate

from 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.

Read full review

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.

Read full review

Less

One Mile at a Time

Earn 1.5X Ultimate Rewards on everything

from One Mile at a Time

As with any decision to get a credit card, you’ll want to consider both the welcome bonus and the long-term benefits of the Freedom Unlimited. For me, I get more than enough use out of it to make it a staple in my wallet — have to earn those Ultimate Rewards points! Others may find that the C...More

As with any decision to get a credit card, you’ll want to consider both the welcome bonus and the long-term benefits of the Freedom Unlimited. For me, I get more than enough use out of it to make it a staple in my wallet — have to earn those Ultimate Rewards points! Others may find that the Chase Freedom’s quarterly 5X categories are more than enough to take care of their needs and that’s totally understandable.

Read full review

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Business Insider

One of the best cash-back credit cards of 2018

from Business Insider

Overall, this 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 is not the very best awards rate out there, it does come with some valuable benefits that competing cash-back cards don't offer.

Read full review

Overall, this 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 is not the very best awards rate out there, it does come with some valuable benefits that competing cash-back cards don't offer.

Read full review

Less

The Ascent

A value-packed cash-back credit card

from The Ascent

One card to rule them all is the name of the game here. This offer includes unlimited 1.5% cash back, plus other valuable perks and fee-friendly features that make it a solid contender if you're wanting to maintain a one card wallet.

Read full review

One card to rule them all is the name of the game here. This offer includes unlimited 1.5% cash back, plus other valuable perks and fee-friendly features that make it a solid contender if you're wanting to maintain a one card wallet.

Read full review

Less

User Reviews


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