What's the Chase Freedom Unlimited 0% APR offer? This question is about the Chase Freedom Unlimited®

What's the Chase Freedom Unlimited 0% APR offer?

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This question is about the Chase Freedom Unlimited®

Lisa Cahill, Credit Cards Moderator

@lisacahill • 07/29/22 This answer was first published on 05/11/21 and it was last updated on 07/29/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Chase Freedom Unlimited credit card has an introductory APR of 0% for 15 months, on both purchases and qualifying balance transfers. Once the intro rate expires, any remaining balance on the Chase Freedom Unlimited credit card will be subject to the regular APR of 19.74% - 28.49% (V).

Here’s what you should know about the Chase Freedom Unlimited 0% APR:

It’s important to remember that even though you don’t pay interest during 0% APR periods, you must still make timely minimum payments each month. You should also consider paying more than the minimum, since you’ll want to pay off the credit card balance before the regular APR kicks in.

Plus, if you plan to transfer a balance to this card, you should also consider the balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). For help planning your payments, try out WalletHub’s Credit Card Calculator.

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Which Chase credit cards have a 0% APR offer?

What's the Chase Freedom Unlimited APR?

The Chase Freedom Unlimited APR ranges from 19.74% to 28.49% (V). However, the actual rate will be based on factors such as your income, credit history, and existing debt. Chase Freedom Unlimited also offers an intro APR of 0% for 15 months on both new purchases and qualifying balance transfers. After the card’s intro rate expires, the regular interest rate applies to any remaining balance. The better an applicant’s credit standing, the higher their odds are of getting a lower interest rate.

If you’re...

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Does Chase Freedom Flex have a 0% APR?

Yes, Chase Freedom Flex does have an intro 0% APR for the first 15 months of account opening, on both purchases and balance transfers. Each balance transfer is subject to a balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). Once this intro period expires, any remaining balance on the Chase Freedom Flex card will be subject to the regular APR of 19.99% - 28.74% (V).

Since the average 0% intro APR for new purchases lasts 12 months, the Chase Freedom Flex offer is above average.

It’s important to...

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