Advertiser Disclosure 1

Discover a world of exceptional rewards and convenience with the Chase Freedom Unlimited® 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.

Learn more about the Chase Freedom Unlimited® Visa

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 Travel, 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.

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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1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. We do not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2 FICO scores/credit scores are used to represent the credit-worthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit card product.
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