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Chase Freedom UnlimitedĀ®

Chase Freedom Unlimited Application
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Directly with Chase

Discover a world of exceptional rewards and convenience with the Chase Freedom UnlimitedĀ® Visa. Designed for smart consumers who want to maximize the value of their everyday spending, this card offers up to 6.5% cash back on select categories and a regular 1.5% cash back on all other purchases, with no limits or expiration dates.

Let's dive into the many benefits that make the Chase Freedom Unlimited credit card an excellent addition to your wallet.



Key Features

An extensive feature list is what sets the Chase Freedom Unlimited credit card apart from similar offers. Here's a sampling of what it has to offer.


Introductory Cash Back Offer


New card members can take advantage of an exclusive introductory 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. This is in addition to the regular cash back rates, providing a fantastic opportunity to maximize your reward as a new cardholder.


Enhanced Cash Back Rates


Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and 3% on all other purchases (on up to $20,000 spent in the first year).

After the first year or $20,000 spent, you'll continue to earn 5% cash back on Chase travel purchases, 3% cash back on drugstore purchases and dining, and an unlimited 1.5% cash back on all other purchases. Those are among the most competitive cash back rates the industry has to offer.


Flexible Redemption Options


Redeem your cash back rewards with no minimums and choose between a statement credit or direct deposit into most U.S. checking and savings accounts. Your cash back rewards do not expire as long as your account remains open, giving you the freedom to redeem them whenever you choose.


0% Intro APR for 15 Months


Benefit from a 0% intro APR on both purchases and balance transfers for the first 15 months after account opening. This allows you to make large purchases or consolidate existing high-interest debt without accruing interest during the introductory period. After that, a variable APR will apply.


No Annual Fee


Enjoy the perks and rewards of the Chase Freedom Unlimited credit card without paying an annual fee. This makes it a cost-effective choice for those who want to earn cash back on their everyday spending without any additional costs.


Chase Credit Journey


Monitor your credit health with free access to your latest credit score, real-time alerts, and more through Chase Credit Journey. Stay informed and protect your financial well-being with this valuable tool.


Partnered Rewards with Chase Ultimate Rewards


Maximize your rewards potential by pairing your Chase Freedom Unlimited credit card with other eligible Chase cards. Transfer your cash back rewards to your Chase Ultimate Rewards account to redeem them for travel, gift cards, or shopping at a higher value.


Purchase Protection and Extended Warranty


Shop with confidence knowing your eligible purchases are protected against damage or theft for up to 120 days. Additionally, the extended warranty benefit can add an extra year to the manufacturer's warranty on eligible items such as electronics.


Travel and Shopping Benefits


Enjoy a suite of additional benefits such as trip cancellation/interruption insurance, rental car insurance, and access to exclusive events and experiences through Chase Experiences.


Zero Liability


If you think someone used your account without permission, report it immediately by calling the Cardmember Services number on your card or billing statement. You are not held responsible for unauthorized purchases.

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How to Compare the Chase Freedom Unlimited Card to Other Offers

The Chase Freedom Unlimited credit card brings a lot to the table, but it's not the only offer in its category. It's good practice to compare multiple offers, and here are some factors that can help you make an informed decision.


Cash Back Rates


While the Chase Freedom Unlimited credit card offers a flat 1.5% cash back on all purchases, some other cash back cards may feature rotating categories or tiered rewards structures that provide higher cash back rates on specific purchases.


Introductory Offers


Many credit cards offer attractive introductory bonuses, such as cash back or points, for new card members. Compare the Chase Freedom Unlimited card's introductory cash back offer (worth up to $300) with other sign-up bonuses to determine the best value.


Annual Fees


Some credit cards charge an annual fee in exchange for premium benefits or higher reward rates. The Chase Freedom Unlimited card comes with no annual fee, making it a cost-effective choice. However, it's essential to weigh the rewards and perks of cards with annual fees against the associated costs to determine if the potential benefits justify the expense.


APR and Balance Transfer Offers


Consider the interest rates and balance transfer offers of different cards. The Chase Freedom Unlimited credit card provides a 0% intro APR for 15 months on purchases and balance transfers, followed by a variable APR.

Compare this offer with other cards' promotional and ongoing interest rates to determine the best option for your financial situation.


Additional Benefits and Perks


Compare the added benefits and perks provided by different credit cards. The Chase Freedom Unlimited credit card offers purchase protection, extended warranty, travel benefits, and Zero Liability Protection, among other features. Assess the value and relevance of these benefits in relation to your spending habits and personal needs.


Foreign Transaction Fees


If you frequently travel or make international purchases, it's crucial to consider any foreign transaction fees associated with different credit cards. While the Chase Freedom Unlimited card charges a 3% foreign transaction fee, some other cards may offer no foreign transaction fees, making them more cost-effective for international use.


Final Thoughts


The Chase Freedom Unlimited credit card offers a simple yet rewarding cash back structure that caters to various spending habits. With no annual fee, an attractive sign-up bonus, and a host of additional perks, this card is an excellent choice for consumers seeking to get the most value out of their everyday spending.

Apply today and start enjoying unlimited cash-back rewards!



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