Am I eligible?
To get this card, you must also:
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...
- Brooklyn Lowery, CardRatings.comChase 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...
- Nouri Zarrugh, Garrett Yarbrough, BankrateAn 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.
- Alene Laney, MoneyGeekThe 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.
- Your Mileage May VaryA 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...
- Liz Bingler, CreditCards.comThe 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.
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
|
| 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 |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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