Looking for a payment method that combines flexibility with incredible rewards? The Chase Freedom Unlimited credit card might be the ideal choice, as it comes with excellent benefits and is completely free of annual fees.
With a cashback structure that adapts to various types of spending and a range of additional benefits, this card offers a solid proposition for those who want to maximize their return on every penny spent.
Next, you can take a closer look at the numerous benefits this credit card can offer and also find out how to get yours to start earning cashback on all purchases!
About the Issuer
The Chase Freedom Unlimited is issued by Chase, one of the largest and most respected financial institutions in the United States. With a long history of excellence in the banking sector, Chase is known for offering financial products that meet the needs of its millions of customers.
The Chase Freedom Unlimited credit card reflects this tradition, combining innovation in rewards with the reliability of a large financial institution, also offering very fair rates.
In addition to offering a wide customer support network, Chase also stands out for its strong digital presence, making it easy to manage your account and track your card benefits in a practical and secure way.
Benefits
Cashback Rewards: The main attraction of the Chase Freedom Unlimited is its cashback program. Users earn 1.5% cashback on all purchases, with no limit on how much they can accumulate. Additionally, the card offers 5% cashback on travel booked through the Chase Travel portal, 3% at restaurants (including delivery) and pharmacies, and 5% on purchases made through Lyft until March 2025​.
Welcome Bonus: Another notable benefit is the welcome bonus. During the first year, new cardholders can earn an additional 1.5% on all purchases, bringing the cashback up to 6.5% in some categories. This bonus can be especially advantageous if you plan to make large purchases shortly after obtaining the card.
0% Introductory APR: For those who want to finance large purchases or transfer balances, the Chase Freedom Unlimited offers 15 months of 0% introductory APR on purchases and balance transfers. This can help reduce interest costs and make it easier to pay off existing debts.
Protections and Insurances: The card comes with a range of protections and insurances, such as fraud protection, purchase protection, and extended warranty. Additionally, it includes collision damage waiver for car rentals and travel assistance, which can be particularly useful for frequent travelers​.
Chase Freedom Unlimited Credit Card – Fees and commissions
The Chase Freedom Unlimited credit card has no annual fee, making it an accessible option. However, the variable APR after the introductory period ranges from 20.49% to 29.24%, depending on your creditworthiness.
The rates can be adjusted by the issuer without notice, so it’s important to review the terms and conditions directly on the Chase Bank official website to make an informed decision when applying for the card.
Card limit
The credit limit of the Chase Freedom Unlimited can vary significantly based on the applicant’s credit profile. However, there is the possibility of requesting a credit limit increase after a period of responsible card usage.
This flexible limit makes the Chase Freedom Unlimited a good choice for both new credit users and those with an established credit history looking for a significant increase in purchasing power over time.
If you are considering this card, it’s important to monitor your usage and pay your bills on time to qualify for limit increases and avoid high-interest charges.
Positive points
- Versatile Cashback:Cashback rewards in various categories, without the need for activation.
- 0% APR:Extended 0% APR period for purchases and balance transfers.
- Extra Benefits:Protections and travel insurance.
Negative points
- High APR:Variable interest rates can be high after the introductory period.
- Low Initial Credit Limit:Initial limits may be restrictive for some users.
- Minimum Spending for Bonus:To maximize the bonus, you need to spend $20,000 in the first year.
How to apply for Chase Freedom Unlimited Credit Card
To apply for the Chase Freedom Unlimited credit card, follow the steps below:
- Visit the Chase website;
- Select the application button at the top of the page;
- Fill out the form with your personal information;
- Review the terms and conditions before submitting;
- Submit your application;
- Wait for approval;
- If your application is approved, the card is issued and delivered by Chase Bank.
How to contact Chase Bank
If you have questions about the application process or other topics related to the card, contact Chase:
- Phone: 1-800-935-9935
- In-Person: Speak in person with a representative by visiting a Chase Bank branch.
The Chase Freedom Unlimited credit card offers a balanced combination of rewards and security, making it an excellent choice for those looking for a hassle-free credit card with excellent benefits. If you’re ready to take advantage of these benefits, consider applying for yours today!
