Chase Freedom Unlimited® Card
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Instacart Mastercard® 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. |
8.6MyCreditCardLab Score
MyCreditCardLab Score 8.6We'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 | No intro offer |
| REGULAR APR | |
| Intro time end, 20.49% - 29.24% (V) APR after that | 20.24% - 28.99% Variable APR |
| 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! | Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. |
| 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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Instacart Mastercard® 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. | Instacart - It works on Instacart.com and the Instacart app. It applies to purchases on over 750 retailers. They deliver from more than 70,000 stores across 5,500 cities. No foreign transaction fees - You will pay no foreign transaction fees. This is when you use your card for purchases made outside the United States. Contactless Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more knowledge, please see www.chase.com/contactless Instacart+ benefits - Enjoy free delivery on all purchases over $35. 5% credit back on pickup Pay with Points - Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com. World Elite Mastercard benefits - These include access to Mastercard Priceless® Experiences and special offers from brands. You also get a free 24/7 concierge service. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transaction, whichever is greater. | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| 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) | 20.24% - 28.99% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% in U.S. dollars | $0 |
| BEST FOR | |
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| More Details | More Details |
Chase Freedom Unlimited® vs. Instacart Mastercard®
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