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...
- Claire Tsosie, Gregory Karp, NerdWalletThe card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.
- Steve Dashiell, BankrateAn all-time favorite, the Chase Freedom Unlimited is a great card for just about anyone because it comes with solid cash back rates without tons of fees or strings attached. Plus, the card’s revamped rewards, including boosted cash back during your first year, give cardholders more bang for their bu...
- Eric Rosenberg, SlickDealsWe like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Travel portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more. If you make this your p...
- Jeff Gitlen, LendEDUThe Chase Freedom Unlimited is our top choice thanks to several rewards rates, no annual fee, and a welcome bonus with a small spending requirement. If you find yourself frequently spending on travel, dining, and at drugstores, this card could be right for you.
- 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 points through Chase Travel, points to be redeemed as cash or for various produ...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
20.49% ‐ 29.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
20.49% ‐ 29.24% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
30.24% (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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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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