Chase Freedom Unlimited® Card
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Bank of America® Customized Cash Rewards Card
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. |
| REGULAR APR | |
| Intro time end, 20.49% - 29.24% (V) APR after that | 18.24% - 28.24% Variable APR on purchases |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Get 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! | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. |
| REWARDS | |
Chase Freedom Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
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Bank of America® Customized Cash Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Unique cash back rate boost - The Freedom Unlimited card's latest welcome offer is better than its normal one. It gives you a chance at up to $300 in cash back (1.5% on up to $20,000 spent in the first year). This is a $100 boost to the card's usual $200 offer. Travel - Travel and emergency assistance services can help if you have issues away from home. They provide legal and medical referrals and other help. Roadside Dispatch can help in a roadside emergency. It covers tows, jump starts, tyre changes, and lockout service. 0% intro rate for purchases and balance transfers - Chase Freedom Unlimited offers 0% APRs for new purchases. They also offer 0% APRs for balance transfers. This is for the first 15 months. The purchase part is fine. Just make sure to pay off your full balance before the high regular rates start. The only downsides are Chase Freedom Unlimited’s higher regular APR and its 3% balance transfer fee. The fee is for transfers in the first 60 days (5% after that). Purchase protection - If you buy an item with your Freedom Unlimited and it is stolen or damaged in the first 120 days, you can be reimbursed. You can get up to $500 per claim, with a max of $50,000 per account. Credit score & identity restoration services - Cardholders can use Chase Credit Journey to access their credit score at any time. They can also get no-cost identity restoration services. | Cash Back Rewards - Earn 3% cash back on everyday purchases. You get bonuses for gas. You also get them for shopping online, dining, travel, drug stores, and home improvements. No Annual Fee - Enjoy the card's benefits. You won't pay an annual fee. This makes it a cost-effective choice for student cardholders. Flexible Redemption - Redeem cash back rewards as a statement credit, deposit into a Bank of America® checking or savings account, or use it for purchases. Introductory Offer - Enjoy a $200 online cash rewards bonus after spending $1,000 in the first 90 days, providing a rewarding start. Category Spend Limit - Benefit from a combined spend limit of $2,500 on 2% and 3% categories each quarter, maximizing rewards potential. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transaction, whichever is greater. | For Direct Deposit and Check Cash Advances, you'll incur a $10 fee or 3% of the transaction amount. You pay whichever is greater. The fee for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances is $10 or 5% of the transaction amount. It's whichever is greater. Overdraft Protection Cash Advances come with a $12 fee per transaction. |
| BALANCE TRANSFER FEE | |
| Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) | 3% intro APR on Balance Transfers for 2 months, and then 4% |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% in U.S. dollars | 3% |
| BEST FOR | |
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| More Details | More Details |
Chase Freedom Unlimited® vs. Bank of America® Customized Cash Rewards
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