Bianca Smith, WalletHub Credit Cards Analyst
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No, Chase Freedom Unlimited is not a good beginner card. The Chase Freedom Unlimited card requires at least good credit for approval, so it is not accessible to people who are just starting to build their credit.
Why Chase Freedom Unlimited is a Good Card Overall
- Chase Freedom Unlimited offers 1.5 - 5% cash back on all purchases, so its ongoing rewards are simple and easy to manage.
- An extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
- Chase Freedom Unlimited has a $0 annual fee, so you don’t need to worry about earning enough rewards to offset fees. Higher-tier Chase cards can charge very steep annual fees.
In case you do not meet the credit score requirement for the Chase Freedom Unlimited card, Chase does offer a credit card for people with less-than-good credit. The Freedom Student card from Chase is a great rewards credit card for students with a limited credit history. You can also compare the best beginner credit cards overall on WalletHub.
Chase Freedom Unlimited®
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