Chase Freedom Unlimited Reviews: 720+ User RatingsReviews, rates, fees, and rewards details for The Chase Freedom Unlimited®. Compare to other cards and apply online in secondsJohn KiernanWalletHubEarn rate: 1.5 - 5% cash back0% for 15 months on purchases and balance transfers$0 annual feeBalance transfer feeForeign transaction feePotential for a high regular APR
on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
APR on Purchases
0% intro APR for 15 months, 19.74% - 28.49% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 19.74% - 28.49% (V) APR after that
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)
0% for 15 months on purchases and balance transfers
$0 annual fee
Balance transfer fee
Foreign transaction fee
Potential for a high regular APR
Chase Freedom Unlimited Review
John Kiernan
5.0 / 5
Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an... show more
View 749 User Reviews
Chase Freedom Unlimited's Additional Info
cash advance fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Can't find what you are looking for? Submit your question about Chase Freedom Unlimited® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Chase Freedom Unlimited card is fairly hard to get because you need good to excellent credit to qualify for it, which is a credit score of 700 or better. Applicants for Chase Freedom Unlimited will also need an annual income that demonstrates an ability to make at least the card's minimum payment every month. In addition, Chase considers factors such as your existing debt, monthly housing payment amount, and number of recently opened credit accounts, among others.
You can get a better idea of how hard it will be to get a Chase Freedom Unlimited card through Chase's online pre-qualification tool. You'll know in a matter of seconds what your odds are of getting Chase Freedom Unlimited and other Chase credit cards, based on the information you enter. Plus, pre-qualification doesn't affect your credit score, as the process is done using a soft inquiry.
Being pre-qualified is not a guarantee that you'll get a Chase Freedom Unlimited card, so you will have to submit an application to know for sure. If you do apply for the Chase Freedom Unlimited card, Chase will do a hard inquiry on your credit report. This type of inquiry will knock a few points off your credit score but only temporarily.
The Chase Freedom Unlimited credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of...
The best Chase Freedom Unlimited benefits include rental car insurance, trip cancellation/interruption protection, and extended product warranties. 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...
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
The Chase Freedom Unlimited offers a $500 minimum credit limit for everyone who's approved. Applicants with the best credit standing can also get starting credit limits of $5,000 or higher from the Visa Signature version of the Chase Freedom Unlimited. Signature cards come with a few more supplemental benefits than the standard...
Yes, the Chase Freedom Unlimited® is good for travel in the U.S. because it offers 5% on travel purchased through the Chase Ultimate Rewards portal 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.
To maximize Chase Freedom Unlimited, make sure to earn the initial bonus, use the card for everyday spending, and take advantage of the travel, dining, and drugstore bonus categories. You should also pay your statement balance in full every month after the first 15 months, when the 0% purchase APR period...
There is no Chase Freedom Unlimited sign-up bonus currently, but new cardholders get an extra 1.5% cash back on everything they buy, up to $20,000 spent in the first year. That could result in up to $300 in additional cash back.
Having said that, Chase might feature a different sign-up bonus offer...
Chase Freedom Unlimited travel insurance covers you for up to $1,500 per person and $6,000 per trip that was cut short or canceled because of illness, severe weather, military transfers, or other covered situations. The card's travel benefits also include rental car insurance and travel emergency services. To be eligible to file a...
The Chase Freedom Unlimited foreign transaction fee is 3% of each transaction in U.S. dollars. This fee applies to transactions made both in person and online.
So, if you plan on spending a lot of money overseas or at foreign-based merchants, it can really add up quickly. Hence, you're better off...
Transfer Intro APR0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Transfer Intro APRNot Offered
Transfer Intro APR0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Share your insights and review the Chase Freedom Unlimited®
5
35%
4
28%
3
18%
2
11%
1
9%
3.6
749 reviews
749 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Amanda @amanda_ashley81
Report Abuse
5 Star Rating
Verified Customer
Great experience with this card. Personal interest in helping me. Definitely recommend this bank and card. Helped my family get finances in order
show more
show less
Comment
0
0
marlat2929 @marlat2929
Report Abuse
1 Star Rating
Verified Customer
Worst customer service ever. they were supposed to give me $200 after spending $500 as an introductory promo .they backed out of their deal for no reason .I talked to supervisors twice, but they were rude, and of no help at all. I would give them 0 stars is i could. avoid this card.
show more
show less
Comment
0
0
Jeff M @Jeff_M
Report Abuse
5 Star Rating
So far so good. The application process was super easy and I was approved for over 17k in 4 minutes at the lowest APR that is available for this card. Called them up and the representative at no charge was able to rush ship the card at no cost (it’s a service they offer to everyone after approval you just have to call) via UPS. Overall in terms of application process, limits given and customer service so far I am a happy camper.
show more
show less
Comment
0
0
Samuel Mau Lam @samuelmlwongusa
Report Abuse
5 Star Rating
Verified Customer
The base rebate rate is good 1.5% plus perks in restaurants at 3% rebate and in case making use of travel rewards points system, eligible to 5% rebate rate.
show more
show less
Comment
1
0
Bonnie L Buchanan @bonniebuchanan
Report Abuse
3 Star Rating
Verified Customer
THE GOOD & REASONS TO USE: 1st There is the initial CASH BACk offer if You spend X Amount within X timeframe of initially getting this card, You receive X ($200 in my case) Cash Back either as a lump payment to whatever account You specify or You can use that amount applied to Your credit card as a payment. 2nd, This card offers an initial 1yr 0% Interest Rate, so long as You completely pay off Your balances..so Woohoo! A Great Deal/Offer..
3rd, I like this card as it is tied into my regular banking app so I can instantly access every charge, monitor the charges, set customized notifications, etc, and the rewards I receive for each purchase etc..Cash Back on Every Purchase & more on some purchases versus others versus others, so it is extremely convenient,.Plus there is the built in ‘Credit Journey’ function that allows You to better monitor and improve Your Credit Score over time..
Regardless, of the Negative Reasons listed below, I still believe that over all this is a Good Credit Card for someone looking for a credit card, period, and even better of a choice for anyone looking to monitor and improve their Credit Score over the long term.
REASON FOR MINUS 2 STARS: However, I took away 2 Stars, because when I schedule a C/C payment from my Chase Acct, Chase INSTANTLY deducts the funds from my Checking Account BUT then DOESN’T pay it to & pay off my Credit Card for a day or 3, which means CHASE BANK is getting Interest Free use of my Funds! Which is wrong & I do not appreciate, because no way they would give me the same use of their money, so in reality they owe me the interest for that use..& eventually there will be a class action about it, just like there was for PayPal when they got caught doing the same to their Users years ago. 2ndly, Chase has on-going even more Discounts Thru some Vendors, but You have to literally go into Chase’s Vendor Discount section and manually click on each offer for that specific discount to apply when You use Your credit card for a purchase with that vendor… Which is both highly inconvenient & should be automatic & Chase could if they wished easily make it automatically apply for each vendor!
show more
show less
Comment
0
0
luke_vue37 @luke_vue37
Report Abuse
1 Star Rating
Yes it all sounds great until you get your approval and your limit is so low you cant even buy a plane ticket, why would I bother using this card when I can use my main which has 1000% (literally) more limit so I can purchase the things I need; this is a worthless card for anyone who does a lot of buying
show more
show less
Comment
1
1
Steve @steveaverill8
Report Abuse
5 Star Rating
Verified Customer
Awesome card. Super reliable. And always willing to work with their customers and respond to situations. Like this company and thus card.
show more
show less
Comment
0
0
HUNG PHAM @chris_hung_pham
Report Abuse
1 Star Rating
I have two cards and a checking account with Chase. The checking account is the first account I opened. I opened the Chase Freedom Unlimited card with them a few months ago. Making my first purchase on the card and my card freezes. I needed to call and be forwarded multiple times until I could get my card unlocked to use. Fast forward a few months later and it happens again. A ton of available credit, and a ton of money with them and it declines. No phone call, text, or email to ask if I'm the one making the purchase. Now I just have to assume when I want to use the card, it will freeze unless I call and go through multiple transfers to remove the freeze. Long story short, do not go with Chase. After 16 years with them, they have ALWAYS been subpar.
show more
show less
Comment
0
0
jaimea @jaimea
Report Abuse
5 Star Rating
Verified Customer
Great Credit Card and Bank. will recommend to anybody, Customer service is awesome,being dealing with them for over 14 years and never have a problem with them.
show more
show less
Comment
0
0
Kathleen @kathleens_167
Report Abuse
5 Star Rating
Verified Customer
My experience with my Chase Freedom Unlimited card has been good. I received a fair credit limit from the beginning. I will continue to use this account.
show more
show less
Comment
0
0
Review Chase Freedom Unlimited®
Expert Thoughts on Chase Freedom Unlimited
To help people who are interested in the Chase Freedom Unlimited Card make an educated decision, WalletHub posed the following questions to a panel of experts. You can find the experts listed below. Simply click “READ MORE” to check out an expert’s answers and advice.
Do you think consumers prefer credit cards with simple rewards, or a more complex rewards structure with higher maximum earning rates?
Should consumers look for a single credit card with low rates and good rewards or get two different cards?
Mark Ratchford Professor of Practice, Tulane University, A. B. Freeman School of Business Read More
Mario V. Gonzalez-Fuentes Ph.D., Associate Professor of Marketing, Michael Neidorff School of Business, Trinity University Read More
Thomas Talhelm Associate Professor of Behavioral Science, University of Chicago Booth School of Business Read More
Ernest Baskin Assistant Professor of Marketing at Saint Joseph's University Read More
Jared Watson Assistant Professor of Marketing, New York University, Leonard N. Stern School of Business Read More
Lars Perner Ph.D., Assistant Professor of Clinical Marketing, Department of Marketing, Marshall School of Business, University of Southern California Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
