Chase Freedom Unlimited® credit card review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 25.49% (Variable) (0% for the first 15 months)
Balance Transfer
16.74% ‐ 25.49% (Variable) (0% for the first 15 months)
Rewards
1.5% cashback
Signup Bonus
$200 after spending $500


8.7/10
Informr score
The Chase Freedom Unlimited® credit card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 38 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...


Money Crashers

A no-nonsense cash back credit card that’s ideal for people who don’t want to deal with annual fees, rotating spending categories, and complicated rewards programs. Thanks to the long intro purchase APR period, it’s also a solid choice for people who wish to make large purchases they can’t pay off r...

- Brian Martucci, Money Crashers
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 is not the very best cash-back rate out there, it does come with some valuable benefits that competing cash-back cards don't o...

- Eric Rosenberg, Business Insider
Compare Cards

This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases and balance transfers.

- Compare Cards
The Wirecutter

The Chase Freedom Unlimited is our top pick for the best 0% APR card because it offers a rare combination of a long promotional APR period on purchases and balance transfers with continued usefulness after the promo period ends.

- Louis DeNicola, The Wirecutter
One Mile at a Time

The Freedom Unlimited is the credit card that I spend the most money on, as I consider it to offer the best return on everyday spending. The catch is that you’ll want this card in conjunction with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® Card. If you have one of those cards then...

- Lucky, One Mile at a Time

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 25.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 16.74% ‐ 25.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 26.74% (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.

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


Money Crashers

Great intro APR, strong sign-up bonus

from Money Crashers

A no-nonsense cash back credit card that’s ideal for people who don’t want to deal with annual fees, rotating spending categories, and complicated rewards programs. Thanks to the long intro purchase APR period, it’s also a solid choice for people who wish to make large purchases they can’t pay off right away.

Read full review

A no-nonsense cash back credit card that’s ideal for people who don’t want to deal with annual fees, rotating spending categories, and complicated rewards programs. Thanks to the long intro purchase APR period, it’s also a solid choice for people who wish to make large purchases they can’t pay off right away.

Read full review

Less

Business Insider

One of the best cash-back credit cards of 2019

from 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 is not the very best cash-back rate out there, it does come with some valuable benefits that competing cash-back cards don'...More

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 is not the very best cash-back rate out there, it does come with some valuable benefits that competing cash-back cards don't offer. And if you pair it with a card that earns Chase Ultimate Rewards points and redeem your cash back as points used for travel, this card becomes even more valuable.

Read full review

Less

Compare Cards

For consumers who want to earn a flat rewards rate on every purchase without paying an annual fee

Compare Cards

This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases and balance transfers.

Read full review

This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases and balance transfers.

Read full review

Less

The Wirecutter

Fairly average unless you pair it with the Chase Sapphire

from The Wirecutter

The Chase Freedom Unlimited is our top pick for the best 0% APR card because it offers a rare combination of a long promotional APR period on purchases and balance transfers with continued usefulness after the promo period ends.

Read full review

The Chase Freedom Unlimited is our top pick for the best 0% APR card because it offers a rare combination of a long promotional APR period on purchases and balance transfers with continued usefulness after the promo period ends.

Read full review

Less

One Mile at a Time

Earn 1.5X Ultimate Rewards on everything

from One Mile at a Time

The Freedom Unlimited is the credit card that I spend the most money on, as I consider it to offer the best return on everyday spending. The catch is that you’ll want this card in conjunction with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® Card. If you have one of those ca...More

The Freedom Unlimited is the credit card that I spend the most money on, as I consider it to offer the best return on everyday spending. The catch is that you’ll want this card in conjunction with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® Card. If you have one of those cards then the Freedom Unlimited is earning you 1.5x Ultimate Rewards points per dollar spent, which is excellent.

Read full review

Less

SmartAsset

A cash back contender

from SmartAsset

Looking for a cash back card with no annual fee, a solid rewards rate and an introductory bonus? Chase Freedom Unlimited is a solid choice. Its rewards are even more impressive when combined with the Chase Sapphire Preferred Card.

Read full review

Looking for a cash back card with no annual fee, a solid rewards rate and an introductory bonus? Chase Freedom Unlimited is a solid choice. Its rewards are even more impressive when combined with the Chase Sapphire Preferred Card.

Read full review

Less

Hustler MoneyBlog

A great basic card that offers a high ongoing value at a low cost

from Hustler MoneyBlog

By far, the Chase Freedom Unlimited® is one of the best cards to use for everyday purchases. It is a straightforward card with unlimited cash back rewards on all purchases that has benefits comparable to the most popular cashback cards.

Read full review

By far, the Chase Freedom Unlimited® is one of the best cards to use for everyday purchases. It is a straightforward card with unlimited cash back rewards on all purchases that has benefits comparable to the most popular cashback cards.

Read full review

Less

LendEDU

A straightforward cash back rate for no annual fee

from LendEDU

The Chase Freedom Unlimited is a straightforward, average cash back card. It’s not the best card, but it’s a good option for someone who values simplicity and who wants a decent cash back rate for no annual fee. Savvy cardholders will look for ways to combine the Freedom Unlimited with other Chase cards to get the best rewards rates.

Read full review

The Chase Freedom Unlimited is a straightforward, average cash back card. It’s not the best card, but it’s a good option for someone who values simplicity and who wants a decent cash back rate for no annual fee. Savvy cardholders will look for ways to combine the Freedom Unlimited with other Chase cards to get the best rewards rates.

Read full review

Less

Cardcruncher

Offers 1.5% cash back on every purchase and great rewards

The Chase Freedom Unlimited card earns 1.5% cash back on all your purchases with no earning caps or restrictions. There are no bonus categories or quarterly signups to think about. On its own, the Chase Freedom Unlimited is a simple cash-back card. But it becomes even more powerful when paired w...More

The Chase Freedom Unlimited card earns 1.5% cash back on all your purchases with no earning caps or restrictions. There are no bonus categories or quarterly signups to think about. On its own, the Chase Freedom Unlimited is a simple cash-back card. But it becomes even more powerful when paired with one of Chase's premium rewards cards, like the Chase Sapphire Reserve, which unlocks more valuable travel partner transfers.

Read full review

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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

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User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.