Chase Freedom Unlimited’s benefits include rental car insurance, roadside dispatch, trip cancellation/interruption protection, extended product warranties, and purchase protection. Both the Visa Platinum and Visa Signature versions of the Chase Freedom Unlimited card have those benefits. Chase chooses whether each Chase Freedom Unlimited applicant gets the Signature or Platinum version of the card based on the applicant’s credit history and ability to pay.
Top Chase Freedom Unlimited Benefits:
Rental car insurance: Provides secondary coverage for up to 31 consecutive days against damage and theft, up to the actual cash value of rental vehicles paid for with the Chase Freedom Unlimited card. You’ll have to decline the rental agency’s insurance coverage to qualify, as well as file any claim within 60 days of theft or damage occurring.
Roadside dispatch: Includes 24/7 towing, tire changes, jump starts, fuel delivery and lockout service. $59.95 per service call.
Extended warranty: Extends U.S. manufacturer’s warranties on items purchased with Chase Freedom Unlimited by 1 year. Maximum coverage of $10,000 per claim, $50,000 per account. The original warranty can’t be longer than three years.
Purchase protection: Reimburses cardholders up to $10,000 per claim ($50,000 per account) for items purchased with the Chase Freedom Unlimited card that are damaged or stolen within 120 days of purchase.
Trip cancellation/interruption insurance: Pays up to $6,000 per trip cut short by sickness, severe weather or other covered events. Applies to travel expenses paid for with Chase Freedom Unlimited.
Other Chase Freedom Unlimited benefits include 24/7 fraud alerts and a $0 fraud liability guarantee, which protects you from having to pay for unauthorized charges to your account.
To me, the biggest Freedom Unlimited benefits are the initial bonus of $200 after spending $500 in the first 3 months and the introductory APR: 0% for 15 months for purchases. You can’t forget about the 1.5 - 5% cash back on purchases or the $0 annual fee either!
The Chase Freedom Unlimited® is good for travel in the U.S. because it offers 5% on travel purchased through Chase and has a $0 annual fee. The Chase Freedom Unlimited Card also comes with travel benefits like rental car insurance, trip cancellation insurance, a travel emergency hotline and more. It has a $200 sign-up bonus for spending $500 in the first 3 months, too.… read full answer
The Chase Freedom Unlimited Card is not a good card to use for traveling abroad, though, because it charges a foreign transaction fee of 3% of each transaction in U.S. dollars. A better choice for international travel would be the Chase Sapphire Preferred® Card.
So, the bottom line is that the Chase Freedom Unlimited Card should meet the casual domestic traveler’s needs quite well. But if you travel internationally, you’re better off getting a card that has no foreign transaction fee. You may also want to consider cards with unique travel perks such as free checked bags and hotel room upgrades.
Yes, Chase Freedom Unlimited does have bonus categories, which include a wide range of purchases, from drugstores, to dining and traveling. More specifically, this card offers rewards in the following categories:
Travel and Groceries: 5% cash back on travel purchased through Chase and on the first $12,000 spent at grocery stores the first year.… read full answer
Restaurants and Drugstores: 3% cash back at restaurants and on drugstore purchases.
All other purchases: 1.5% cash back on any other purchase, which is about 50% more than the average cash back card will give you.
Ultimately, it is worth noting that your cash back rewards do not expire, for as long as your account is open.
The Chase Freedom Unlimited credit limit is $500 or more for everyone who’s approved. The most creditworthy applicants can get starting credit limits of $5,000 or higher. Chase Freedom Unlimited cardholders who start with a limit of at least $5,000 get the Visa Signature version of the card instead of a Visa Platinum card. Signature cards come with a few more supplemental benefits from Visa. … read full answer
Chase doesn’t publicly disclose a maximum credit limit for the Chase Freedom Unlimited card. But some customers have said that they have received limits of $20,000 or higher. If you want a limit that high, you’ll need spotless credit, a very high income to afford the payments and low existing debt. Just keep in mind that no matter what limit you get, it’s not permanent. You can ask Chase for a Chase Freedom Unlimited credit limit increase by calling the number on the back of your card. It’s best to try that after at least half a year of on time bill payments.
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