Written Best for
- Travelers
- Small Business Owners
- Everyday Spending
- Restaurant
- Health and Wellness
Considerations
- Interest Rates
- Foreign Transaction Fee
- Sign-Up Bonus
- Intro APR, Introductory Bonus
- Spending Categories (Groceries, Dining, Travel, etc.)
Pros
- 1.5 - 5% cash back
- 0% APR for 15 months on purchases and balance transfers
- No minimum redemption amount
- Earn a $200 bonus
Cons
- Assesses a balance transfer fee.
- Ongoing balance transfer fee is high
- 3% Foreign transaction fee
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Chase Freedom Unlimited® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Chase Freedom Unlimited® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Fair |
| Regular APR | Very Good |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Very Good |
| Benefits | Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Good |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Very Good |
Who can apply for Chase Freedom Unlimited® Card?
We have categorized Chase Freedom Unlimited® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is Chase Freedom Unlimited® Card Different?
Credit score & identity restoration services: Chase Ultimate Rewards® is a cash back card. The Chase Freedom Unlimited® card is part of the program. It lets cardholders redeem cash back for travel, gift cards, and more. This offers many options for redeeming rewards.
Chase Freedom Unlimited® Card Annual Fee
Card type: No Annual Fee Credit Cards
Issuer Name: Chase
No annual fee
Chase Freedom Unlimited® credit card has an annual fee of $0. It offers benefits and rewards tailored to your spending habits. Enjoy perks such as 5%-3% cash back, travel rewards, or points on every purchase.
Welcome Bonus
The new bonus gives you an extra 1.5% cash back. This is for up to $20,000 of spending in your first year of card membership. Here’s what you’ll get for that first year:
6.5% back for travel purchases through the Chase Travel Portal (normally 5%).
4.5% back on dining and at drugstores (normally 3%).
3% back for all other eligible purchases(normally 1.5%).
APRs: Chase Freedom Unlimited® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Chase Freedom Unlimited® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | 7/10Fair |
| Regular APR - Intro time end, 20.49% - 29.24% (V) APR after that | 9/10Very Good |
| Purchase - 20.49% - 29.24% Variable APR | 8.8/10Very Good |
| Balance transfer - Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | 9.3/10Very Good |
| Cash advance - Either $10 or 5% of the amount of each transaction, whichever is greater. | 9/10Very Good |
| Penalty - up to 29.99% | 8.5/10Very Good |
Chase Freedom Unlimited® Card Benefits
Certainly! Here's a table. It shows the benefits of the Chase Freedom Unlimited® credit card:
| Benefits | Score |
|---|---|
| Unique cash back rate boost The Freedom Unlimited card's latest welcome offer is better than its normal one. It gives you a chance at up to $300 in cash back (1.5% on up to $20,000 spent in the first year). This is a $100 boost to the card's usual $200 offer. |
8.9/10Very Good |
| Travel Travel and emergency assistance services can help if you have issues away from home. They provide legal and medical referrals and other help. Roadside Dispatch can help in a roadside emergency. It covers tows, jump starts, tyre changes, and lockout service. |
8.9/10Very Good |
| 0% intro rate for purchases and balance transfers Chase Freedom Unlimited offers 0% APRs for new purchases. They also offer 0% APRs for balance transfers. This is for the first 15 months. The purchase part is fine. Just make sure to pay off your full balance before the high regular rates start. The only downsides are Chase Freedom Unlimited’s higher regular APR and its 3% balance transfer fee. The fee is for transfers in the first 60 days (5% after that). |
9.6/10Excellent |
| Purchase protection If you buy an item with your Freedom Unlimited and it is stolen or damaged in the first 120 days, you can be reimbursed. You can get up to $500 per claim, with a max of $50,000 per account. |
9.1/10Very Good |
| Credit score & identity restoration services Cardholders can use Chase Credit Journey to access their credit score at any time. They can also get no-cost identity restoration services. |
9/10Very Good |
Chase Freedom Unlimited® Card Rewards
Chase Freedom Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
- Through March 31, 2025, 5% back on qualifying Lyft services purchased through the Lyft app.
- 5% cash back on travel booked through Chase Travel
- 3% cash back on dining at restaurants
- 3% cash back on drugstore purchases
- 1.5% cash back on all other purchases
Credit Needed
Applicants will need “good” to “excellent” credit. They need it to get approved for the Freedom Unlimited®. Chase doesn’t specify the exact credit scores needed for its credit card offers. But, Experian says that those with good credit usually have FICO scores of at least 670. Excellent scores start at 800. In contrast, VantageScore considers scores of at least 700 to be good. Excellent scores start at 750. Please note that these numbers can vary between different bureaus.
Chase Freedom Unlimited® Card Rewards Potential
| Category | Spending Amount | Cash-back % | Cash-back Earned |
|---|---|---|---|
| Travel | $3,500 | 5% | $175 |
| Dining | $3,000 | 3% | $90 |
| Drugstores | $700 | 3% | $21 |
| Other | $12,000 | 1.5% | $180 |
| TOTAL | $25,087 | $466 |
Chase Freedom Unlimited redemption options
| Redemption option | Point value (cents) |
| Travel redemption | 1 |
| Statement credit | 1 |
| Direct deposit | 1 |
| Gift cards | 1 |
| Apple purchases | 1 |
| Amazon.com purchases | 0.8 |
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.For individuals considering the Chase Freedom Unlimited® Card, we recommend a credit score between 690 (Fair) and 850 (Exceptional). This range ensures eligibility for personalized benefits and rewards that complement your credit profile. Apply now to access exclusive perks and enhance your credit card experience with us.
Compare The Chase Freedom Unlimited® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Chase Freedom Unlimited® Card
|
Chase Freedom Rise℠
|
Ink Business Cash® Card
|
|---|---|---|
| 8.7MyCreditCardLab Score |
8.3MyCreditCardLab Score MyCreditCardLab Score 8.3We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.9MyCreditCardLab Score MyCreditCardLab Score 8.9We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% intro APR for 15 months | N/A | 0% for 12 months from account opening date |
| REGULAR APR | ||
| 20.49% - 29.24% (V) APR after that | 26.74% Variable APR | 18.49% - 24.49% Variable |
| WELCOME BONUS | ||
| Get 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! | Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening |
| REWARDS | ||
| Unlimited 5% cash rewards on travel and restaurants. | Earn Cash Back - With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. | You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services. |
| BENEFITS | ||
| Travel, Dining at restaurants | Free Credit Score, No Annual Fee | Purchase protection, Travel and emergency assistance services |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 29.99% | 5% (min $10) / 29.99% (V) | 5% (min $15) / 29.99% |
| BALANCE TRANSFER FEE | ||
| Either $5 or 5% of the amount of each transfer, whichever is greater. | $5 or 5% of the amount of each transfer | Either $5 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 690 - 580 (Fair - Poor) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | ||
| 3% in U.S. dollars | 3% | 3% |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Chase Freedom Flex vs. Chase Freedom Unlimited vs. Chase Freedom Rise
The similar names might make you think the Chase Freedom Flex, Freedom Unlimited, and regular Chase Freedom Rise are the same. But, you’d be mistaken. The cards differ greatly. This is because the Freedom (not Flex) is not available to new applicants. Here’s how the two Freedom Cards compare:
| Chase Freedom Unlimited | Chase Freedom Flex | Chase Freedom Rise | |
|---|---|---|---|
| Annual fee | No annual fee | No annual fee | No annual fee |
| Rewards | Earn 5% back on Chase travel, 3% on dining and drugstores, and 1.5% on everything else | Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate | Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card |
| Intro APR | There is a 0% intro APR for 15 months. It applies to purchases and balance transfers. | There is a 0% intro APR for 15 months. It applies to purchases and balance transfers. | N/A |
Chase Visa Login
Follow these easy steps:
Step 1. Go to the Login Chase Visa page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Chase Visa Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Chase Freedom Unlimited® credit card below and get the answers you're looking for.
You won't have to pay an annual fee Opens pricing and terms in a new window. It's for all the great features that come with your Freedom Unlimited® card.
The cards have identical sign-up bonuses, 0% APR periods and $0 annual fees. The main difference is in the rewards. The travel, restaurant and drugstore rewards are the same on both cards.
But, the Chase Freedom Unlimited® offers a solid 1.5% back on "everything else." The Chase Freedom Flex℠ offers 5% cash back on rotating quarterly categories. It offers 1% on other spending.
The Chase Freedom Unlimited earns Ultimate Rewards points. But, you can't transfer them to travel partners. Unless, you also have the Chase Sapphire Preferred, Sapphire Reserve, or Ink Preferred. Pair a Freedom Unlimited with one of those cards. You can combine your points and transfer them to travel partners.
Yes, the card offers purchase protection. New purchases are covered for 120 days against damage or theft. Coverage is for up to $500 per claim and $50,000 per account.
