Are you looking for a credit card that offers great rewards and benefits? Look no further than the Chase Freedom Unlimited card. With its impressive cashback program and other perks, this card is a top choice for many consumers. In this guide, we’ll dive into the details of the Chase Freedom Unlimited card and help you understand why it’s a must-have for your wallet.
What is the Chase Freedom Unlimited Card?
The Chase Freedom Unlimited card is a cashback credit card offered by Chase Bank. It is a part of the Chase Freedom family of credit cards, which also includes the Chase Freedom Flex and the Chase Freedom Student cards. The Chase Freedom Unlimited card is designed for everyday spending and offers a flat cashback rate on all purchases.
How Does the Cashback Program Work?
The Chase Freedom Unlimited card offers a flat cashback rate of 1.5% on all purchases. This means that for every dollar you spend, you will receive 1.5 cents back in cashback rewards. There is no limit to the amount of cashback you can earn, and your rewards never expire as long as your account is open.
How Does the Chase Freedom Unlimited Compare to Other Cards?
When it comes to cashback credit cards, the Chase Freedom Unlimited is a top contender. Let’s take a look at how it stacks up against two other popular cashback cards: the Wells Fargo Active Cash and the Citi Double Cash.
- Chase Freedom Unlimited vs Wells Fargo Active Cash: Both cards offer a flat cashback rate of 1.5%, but the Chase Freedom Unlimited has the added benefit of no foreign transaction fees. The Wells Fargo Active Cash, on the other hand, offers a 0% intro APR for the first 15 months, while the Chase Freedom Unlimited offers 0% intro APR for the first 12 months.
- Chase Freedom Unlimited vs Citi Double Cash: The Citi Double Cash offers a higher cashback rate of 2% (1% when you make a purchase and 1% when you pay it off), but the Chase Freedom Unlimited has the added benefit of a sign-up bonus and 0% intro APR for the first 12 months.
How to Maximize Your Rewards
To get the most out of your Chase Freedom Unlimited card, here are some tips to help you maximize your rewards:
Take Advantage of the Sign-Up Bonus
When you sign up for the Chase Freedom Unlimited card, you can earn a $200 cashback bonus after spending $500 on purchases in the first three months. This is a great way to kickstart your rewards and get a head start on earning cashback.
Use the Card for Everyday Purchases
The Chase Freedom Unlimited card offers a flat cashback rate on all purchases, so make sure to use it for your everyday spending. This includes groceries, gas, and other essentials. By using your card for these purchases, you can earn cashback on things you would be buying anyway.
Combine with Other Chase Cards
If you have other Chase credit cards, you can combine your rewards to maximize your cashback potential. For example, if you have the Chase Sapphire Preferred card, you can transfer your cashback from the Chase Freedom Unlimited to your Sapphire Preferred account and redeem it for travel rewards at a higher value.
Keep an Eye Out for Bonus Categories
The Chase Freedom Unlimited card occasionally offers bonus categories where you can earn even more cashback. Keep an eye out for these categories and make sure to use your card for those purchases to earn extra rewards.
Other Perks and Benefits
Aside from its cashback program, the Chase Freedom Unlimited card also offers other perks and benefits that make it a valuable addition to your wallet.
No Annual Fee
The Chase Freedom Unlimited card has no annual fee, making it a great option for those looking to avoid extra costs.
0% Intro APR
As mentioned earlier, the Chase Freedom Unlimited card offers 0% intro APR for the first 12 months. This can be beneficial for those looking to make a large purchase and pay it off over time without accruing interest.
When you use your Chase Freedom Unlimited card to make a purchase, you are automatically covered by purchase protection. This means that if your purchase is damaged or stolen within 120 days, you can be reimbursed up to $500 per claim and $50,000 per account.
Extended Warranty Protection
The Chase Freedom Unlimited card also offers extended warranty protection, which extends the manufacturer’s warranty by an additional year on eligible purchases.
What People Are Saying About the Chase Freedom Unlimited
Don’t just take our word for it – here’s what people are saying about the Chase Freedom Unlimited card:
- “I love my Chase Freedom Unlimited card! The cashback program is great and I’ve had no issues with customer service.” – Reddit user
- “I’ve had the Chase Freedom Unlimited for a few years now and it’s been my go-to card for everyday purchases. The cashback adds up quickly and I’ve been able to redeem it for travel rewards through my Sapphire Preferred card.” – Credit card review website
How to Apply for the Chase Freedom Unlimited Card
If you’re ready to unleash the power of the Chase Freedom Unlimited card, here’s how you can apply:
- Visit the Chase website and click on the “Credit Cards” tab.
- Scroll down to the “Cash Back Credit Cards” section and click on the “Learn More” button under the Chase Freedom Unlimited card.
- Click on the “Apply Now” button and fill out the application with your personal information.
- Submit your application and wait for a decision from Chase.
The Chase Freedom Unlimited card is a top choice for those looking for a cashback credit card with great rewards and benefits. With its flat cashback rate, sign-up bonus, and other perks, it’s a valuable addition to any wallet. Apply for the Chase Freedom Unlimited card today and start earning cashback on your everyday purchases.