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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!