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Chase Freedom Unlimited® credit card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
19.24% ‐ 27.99% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
19.24% ‐ 27.99% (Variable) (0% for the first 15 months)
Balance Transfer
19.24% ‐ 27.99% (Variable) (0% for the first 15 months)
Balance Transfer
19.24% ‐ 27.99% (Variable) (0% for the first 15 months)
Rewards
1.5 - 5% cashback
Rewards
1.5 - 5% cashback
Signup Bonus
$200 after spending $500
Signup Bonus
$200 after spending $500


8.9/10
Informr score
The Chase Freedom Unlimited® credit card currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 53 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...


CardRatings.com
CardRatings.com

Chase Freedom Unlimited® is designed for people who aren't crazy about the idea of keeping up with rotating cash-back categories, but who do spread their spending out among multiple categories and like the flexibility of Chase Ultimate Rewards® points to be redeemed as cash or for various products a...

- Brooklyn Lowery, CardRatings.com
Bankrate
Bankrate

An all-time favorite, the Chase Freedom Unlimited comes with great perks, such as no annual fee, an above-average flat rate and intro APR offers on purchases and balance transfers. The revamped rewards, including boosted cash back during your first year, gives consumers more bang for their buck.

- Nouri Zarrugh, Garrett Yarbrough, Bankrate
MoneyGeek
MoneyGeek

The absence of an annual fee and the 0% introductory APR for 15 months are two factors that make the Chase Freedom Unlimited® card desirable to the majority of individuals. Plus, there are promising rewards for reward seekers.

- Alene Laney, MoneyGeek
Your Mileage May Vary
Your Mileage May Vary

A card that earns a solid return on non-bonused spending is a must-have in any wallet. Freedom Unlimited was already a leader in the category but it had some limitations. There’s a seemingly endless list of cards that give bonus points for every category of spending and for those purchases the Unlim...

- Your Mileage May Vary
CreditCards.com
CreditCards.com

The Chase Freedom Unlimited card offers a good sign-up bonus and an impressive average rewards rate, including a 1.5% cash back rate on general purchases, making it a great starter card for collecting Chase Ultimate Rewards.

- Liz Bingler, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 19.24% ‐ 27.99% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 19.24% ‐ 27.99% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 29.24% (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 $40.00

Maximum

Promotions
Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • Earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year
Rewards
All Purchases 1.5% cash back
Restaurants 3% cash back

On dining at restaurants, including takeout and eligible delivery services

Gas No
Groceries No
Hotels No
Travel 5% cash back

On travel purchased through Chase Ultimate Rewards

Pharmacy 3% cash back
Bills No
Additional Details

5% cash back on Lyft through March 31, 2025

Features & Benefits
Additional Card Holders


Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Trip Cancellation/Interruption Insurance
  • Travel and Emergency Assistance Services
  • 3 months of Instacart+ membership. Also earn up to $10 in statement credits each quarter through July 31, 2024 when they make eligible Instacart purchases.
  • 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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