What is the average credit score needed to get approved for the Chase Freedom Unlimited card?

To qualify for a Chase Freedom Unlimited credit card, you must have a credit score between 670 and 850.

Does Chase Freedom Unlimited report to all three credit bureaus?

Yes, Chase Freedom Unlimited sends reports to all three main credit agencies.

Is the Chase Freedom Unlimited application process lengthy? Can you prequalify?

If you qualify for the card, your Chase Freedom Unlimited application will receive fast approval. In the event of a delay, it may be authorized within 10 days. Some candidates may need to wait up to a month.

What information is needed to apply for Chase Freedom Unlimited?

To apply for the card, you must provide personal information such as your full name, birth date, Social Security Number or Individual Taxpayer Identification Number, phone number, mailing address, mother's maiden name, authorizing officer title, gross annual income and business information in the Chase Freedom Unlimited application.

Does Chase Freedom Unlimited have good customer service or satisfaction?

It is tough to determine how the card specifically is rated by its users. Chase, on the other hand, is one of the top five national credit card issuers, according to J.D. Power's credit card customer satisfaction study.

Does Chase Freedom Unlimited have a mobile app or the option to pay or manage your account online?

Chase has a mobile app available for both Apple and Android phones. To manage your Freedom Unlimited card, you can utilize the app or online banking.

Does Chase Freedom Unlimited raise credit limits automatically or charge for limit increases?

The Chase Freedom Unlimited card’s credit limit may not always increase automatically. However, you can request an increase in your credit limit by calling the number on the back of your credit card. Your request is subject to Chase's approval.

Does Chase Freedom Unlimited offer the option to freeze your credit/account or have other security features?

You can freeze your credit card using the Chase app in case of a loss of your card or suspected fraudulent activity. The app also provides security features, including logging in via face recognition or fingerprint and sending you transaction alerts.

Does Chase offer other credit cards besides the Chase Freedom Unlimited?

Chase offers a variety of credit cards, including popular options such as the Ink Business Cash® Credit Card, Chase Sapphire Reserve Card and Ink Business Preferred®.

Chase Freedom Unlimited Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Chase Freedom Unlimited
An excellent no-annual-fee card that lets you earn unlimited cash back
- 1.5–5% Cash BackRewards Rate
- 20.49% – 29.24% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
The Chase Freedom Unlimited is an impressive card that pairs affordability with abundant rewards. With no annual fee, it offers a compelling welcome bonus and provides substantial cash back in various everyday categories. It's especially beneficial for those who travel, dine out or have regular drugstore purchases. The card is also an ally for big-ticket spending or balance transfers with its initial interest-free period. Plus, its flexible and enduring cash back rewards system means you can redeem them whenever you wish. However, it's best suited for those with strong credit histories.
Pros
No annual fee
With welcome bonus
Potentially high cash back for certain categories
With 0% intro APR offer
Cash back doesn’t expire and is redeemable at any amount

Cons
Requires good/excellent credit
No annual fee
Earn a $200 bonus after spending $500 in the first three months
Get 5% cash back on gas and grocery (excluding Target and Walmart) for up to $12,000 in the first year
Get 5% cash back on travel via Chase Ultimate Rewards; earn 3% on dining and drugstore spending
Enjoy unlimited 1.5% cash back on other purchases
Benefit from a 0% intro APR for 15 months on purchases and balance transfers; afterward, regular APR applies
Regular variable APR ranges from 20.49% to 29.24%
Cash Back rewards remain valid with no expiration as long as the account is active, with no minimum for cash back redemption
Terms, rates and fees apply
Compare this credit card with other cards with lower interest rates.

WHY TRUST OUR REVIEWS

MoneyGeek uses a comprehensive ranking system to perform in-depth research on credit cards and companies. Gathering data from the Consumer Financial Protection Bureau's database, standardizing data points for card comparison, estimating average expenditure profiles, factoring annual and introductory incentives of each card and determining the three-year worth of keeping the card are all part of the process. The process also includes monthly re-ranking of the cards and semi-annual revisions to the card list.

The Chase Freedom Unlimited card is ideal for those with good credit who want a cash-back card that rewards all purchases. It gives a competitive cash back rate on purchases that fit into select bonus categories, such as restaurant bills, grocery shopping and travel purchases. MoneyGeek's Chase Freedom Unlimited review looks at the card's features, benefits and other attributes to help you decide if it's right for your wallet.

Chase Freedom Unlimited Overview

In addition to the above-mentioned bonuses and rewards, Chase's Freedom Unlimited credit card offers other great features.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Quick Take

Earn $200 bonus after you spend $500 on purchases on the first three months. Additionally, spending a minimum of $12,000 on groceries in the first year (except at Walmart and Target) can earn you an easy $600 cash back.
Pay $0 annual fee for the life of your card
Pay no interest on purchases for the first 15 months, after which a creditworthiness-dependant APR of 20.49% – 29.24% applies
Travel purchases through Chase Ultimate Rewards earn 5% cash back
Spending at restaurants, takeout and other eligible delivery services, as well as drugstore purchases earn 3% cash back
All other purchases earn 1.5% cash back
You get to earn unlimited cash back rewards, and they don't expire as long as your account remains active
Different ways to redeem your cash back includes using it as a statement credit, withdrawing it through a direct deposit, using it to get gift cards, or using it to pay for travel
Zero liability protection, 24/7 fraud protection, purchase protection and extended warranty protection are in place to provide extra peace of mind
Feel better when travelling by knowing that you have access to travel and emergency assistance services, trip cancellation/interruption insurance and auto rental collision damage waiver

Important Card Details

Besides knowing your credit card user rights, you can also determine whether this card is good for you if you know the cash back rates, fees and interest rates of Chase Freedom Unlimited Credit Card.

The following table presents the Chase Freedom Unlimited Credit Card's fees, interest rates, rewards rates and other statistics.

Annual Fee
This card is not subject to an annual fee.
Regular APR
The Chase Freedom Unlimited Credit Card has a high purchase and balance APR that varies depending on your creditworthiness, ranging from 20.49% – 29.24%. Cash advances have a higher interest rate of 29.99 percent. These APRs change depending on the market’s prime rate.
Introductory APR
For the first 15 months, the APR is waived for new cardholders who pay the minimum amount due on time, then a variable APR of 20.49% – 29.24% thereafter. If you don't make minimum payments, your credit may be subjected to a default APR of up to 29.99%.
Rewards Rate
Each purchase you make with this card earns you a minimum of 1.5% cash back and a maximum of 5%.
Balance Transfer and Cash Advance Fee
Those who make balance transfers after the 16th month will be charged an additional transaction fee of $5 or 3% of the value of each transfer, whichever is higher, for the first 60 days, and $5 or 5% thereafter. You should expect a fee of $10 or 5% of the transaction amount, whichever is bigger, if you take cash advances or withdraw cash from your credit account.
Foreign Transaction Fee
A 3% surcharge will be applied to all foreign transactions made with the card.

Additional Benefits

You may also want to know more about the following features of the Chase Freedom Unlimited credit card. Here are some other perks that are worth noting.

24/7 Access to Account Details: The company provides 24/7 access to credit card data, quarterly reports of your Freedom Unlimited card, statements for up to 24 months and more.
Account Alerts: You may sign up to get timely alerts in the form of SMS, email or push notifications on payment due dates or questionable transactions.
Auto Rental Insurance: When you charge the cost of an car rental to your credit card, you’re able to refuse the car rental company's insurance. Theft and collision damages on the car's real worth are covered.
Chase Mobile App: The app is available for both iPhone and Android users. You can use it to pay bills, lock or unlock your card, examine up to seven years' worth of transactions, set up notifications and more.
Contactless Pay Technology: This lets you check out by just tapping your card on a credit card terminal.
Extended Warranty Protection: This is applicable while buying products and services with a warranty of three years or lesser from U.S. manufacturers and makes them eligible for one more year of extended warranty.
Fraud Protection: Your card will be monitored for signs of fraudulent transactions. If suspicious activity is spotted, you’ll be notified via a text, email or phone call.
Partner Benefits: You can expect various partner benefits while using this card. For example, you get a free three-month subscription to Caviar and DashPass, DoorDash's subscription service for free delivery on qualifying orders above $12 on DoorDash, if you activate the offer before the end of the year. Following that, you will be officially registered in DashPass to receive a 50% discount for the next nine months.
Purchase Protection: Protects your new purchases against theft or damage for 120 days, up to $500 per claim and $50,000 per account.
Travel and Emergency Assistance Services: Run into a problem while traveling abroad? You can call Chase's Benefit Administrator to get free legal and medical referrals. The fees for the services will be charged to your credit card.
Trip Cancellation/Interruption Insurance: If your trip is canceled or cut short due to sickness, severe weather or other covered reasons, you can be compensated up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger tickets.
Zero Liability Protection: You will not be held responsible for illegal transactions made using your card or account information.

How the Chase Freedom Unlimited Compares To Other Cards

Because of its high cash back rewards in multiple categories and lack of an annual fee, the Chase Freedom Unlimited credit card performed well in comparison to most other cash back cards. Before you compare the card to its competitors, make sure to evaluate what you are looking for in a card.

In-Depth Credit Card Comparisons:

How the Chase Freedom Unlimited Compares

Chase Freedom Unlimited

Annual Fee: None
Regular APR: 20.49% – 29.24%variable
Rewards Rate: 1.5%-5%
Foreign Transaction Fee: 3%
Best For: Minimalist deal-seeking shoppers looking for a no annual fee card

American Express Cash Magnet Card

Annual Fee: None
Regular APR: 18.99% – 29.99% variable
Rewards Rate: 1.5%
Foreign Transaction Fee: 2.7%
Best For: Those looking for simple cash back rewards without annual fee.

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Chase Freedom Unlimited Review

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