Chase Freedom Unlimited® vs. J.Crew Credit

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Chase Freedom Unlimited<sup>®</sup> Card Chase Freedom Unlimited® Card J.Crew Credit Card J.Crew Credit Card
8.7MyCreditCardLab Score

MyCreditCardLab Score 8.7

We'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
10
Intro APR
7
Regular APR
9
Rewards
9.1
Benefits
8.1
Welcome Bonus
8.7
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.7
Cash Advance Fee: 9
Balance Transfer Fee: 9.3
8.0MyCreditCardLab Score

MyCreditCardLab Score 8.0

We'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
10
Intro APR
7.9
Regular APR
7.4
Rewards
8.2
Benefits
8
Welcome Bonus
8.4
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 5.5
Balance Transfer Fee: 5.5
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 N/A
REGULAR APR
Intro time end, 20.49% - 29.24% (V) APR after that 30.24% Variable APR
PROS
  • 1.5 - 5% cash back
  • 0% APR for 15 months on purchases and balance transfers
  • No minimum redemption amount
  • Earn a $200 bonus
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
CONS
  • Assesses a balance transfer fee.
  • Ongoing balance transfer fee is high
  • 3% Foreign transaction fee
  • Spending caps on rewards
  • High regular APR
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 15% off your first purchase the same day of account opening. Exclusions apply.
REWARDS
Chase Freedom Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
  • Through March 31, 2025, 5% back on qualifying Lyft services purchased through the Lyft app.
  • 5% cash back on travel booked through Chase Travel
  • 3% cash back on dining at restaurants
  • 3% cash back on drugstore purchases
  • 1.5% cash back on all other purchases
 J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • For every dollar spent on the card, earn two points. For every $100 you spend, you will receive a $5 Rewards card.
  • Spend $500 a year to upgrade to Navy Access, which earns three points for every dollar. Alternatively, a $1,000 annual upgrade to Gold Access earns four points for every dollar spent.
  • Standard adjustments are free for in-store purchases.
  • If you spend less than $499 a year, receive a $10 birthday gift. Spend $500 or more a year to receive a $15 gift, and spend $1,000 or more to receive a $20 gift.
  • Shipping is always free on all orders.
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.  Double points on cashmere - Members in the specified tiers may receive bonus points on certain days. The points are based on your tier at the time of purchase. You will get one or two extra points per dollar spent. You will also get bonus points on cashmere purchases. The number of points is based on your tier at the time of purchase. It is one or two extra points per dollar spent. Bonus point offers will also have terms. They will be in the promotional offer. Cardholders earn 3 points per $1 in Navy access and 4 points per $1 in Gold access. Free monogramming - Offer is available to J.Crew Passport members that are in the Navy and Gold Access tiers. The discount is valid on full-price monogrammable J.Crew branded apparel and accessories. You can buy them in J.Crew stores, at jcrew.com, or with phone orders. Offer cannot be redeemed for cash. Personalized items cannot be exchanged or returned. Valid in the U.S. only. Terms of the offer are subject to change. Our best birthday surprises - Accounts that opened during their birthday month will get the offer in the next month. Account must not be in default. Offer will be received during the birthday month. Exclusive Cardmember events - Cardmembers-only priority customer service, invitations to private sales and events.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. N/A
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) N/A
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% in U.S. dollars 0%
BEST FOR
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness
  • Online Shopping
  • Rewards Points Enthusiasts
More Details More Details

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