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Chase Freedom Unlimited® credit card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.74% ‐ 24.49% (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 56 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...


The Balance
The Balance

The Chase Freedom Unlimited Card is a great option for people looking for a go-to card that offers both simple rewards and some opportunities to earn extra cash back on everyday purchases.

- Latoya Irby, The Balance
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
The Points Guy
The Points Guy

    The Chase Freedom Unlimited is a great card for everyday, non-bonus spending and can provide incredible value when paired with a premium Chase card. So if you’re just starting out with credit cards and want to build up valuable travel points quickly, the Freedom Unlimited card should be high on...

- Ethan Steinberg, The Points Guy
Cnet
Cnet

The Chase Freedom Unlimited® is a strong contender for one of the best available credit cards. It combines a refreshingly straightforward approach to rewards with competitive cash-back rates across a balanced array of categories, an accessible welcome bonus and an introductory APR, along with some o...

- Joe Van Brussel, Cnet
SlickDeals
SlickDeals

Earned a flat 1.5% cash back on every purchase you make. Now, cardholders will earn extra rewards every time they book travel through Chase Ultimate Rewards, shop at drugstores or eat at restaurants (including takeout and eligible delivery services). Plus, the card still offers a solid sign-up bonus...

- Eric Rosenberg, SlickDeals

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 15.74% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 25.74% (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 $40.00

Maximum

Promotions
Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • Earn 5% cash back on gas station purchases on up to $6,000 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

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
  • Get a complimentary 3 months of DashPass, DoorDash's subscription service. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.
  • Trip Cancellation/Interruption Insurance
  • Travel and Emergency Assistance Services
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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