Famous Footwear Credit vs. Chase Freedom Unlimited®

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Famous Footwear Credit Card Famous Footwear Credit Card Chase Freedom Unlimited<sup>®</sup> Card Chase Freedom Unlimited® Card
7.9MyCreditCardLab Score

MyCreditCardLab Score 7.9

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
7
Rewards
9
Benefits
8.8
Welcome Bonus
7.8
Recommended Credit Score: 9.3
Foreign Transaction Fee: 10
Cash Advance Fee: 5
Balance Transfer Fee: 5
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
ANNUAL FEE
$0 $0
INTRO APR
No intro offer available 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers
REGULAR APR
35.24% Variable APR Intro time end, 20.49% - 29.24% (V) APR after that
PROS
  • Qualify with fair credit
  • No membership fees
  • $10 initial rewards bonus
  • 1.5 - 5% cash back
  • 0% APR for 15 months on purchases and balance transfers
  • No minimum redemption amount
  • Earn a $200 bonus
CONS
  • High regular APR
  • No Foreign Transaction fee
  • Spending caps on rewards
  • Assesses a balance transfer fee.
  • Ongoing balance transfer fee is high
  • 3% Foreign transaction fee
WELCOME BONUS
Get $10 off your first card purchase when opening and using your Credit Card account. 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!
REWARDS
Famous Footwear Credit 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:
  • Earn 1 point per $1 spent. Members earn $5 Reward Cash for every 100 points — up to $250 a year.
  • Get $10 off your first card purchase. This happens when you open and use your Credit Card account.
  • Star Members who are eligible get $5 Reward Cash. It is valid for their birthday month.
  • Rewards members can get 2X points for every dollar spent on all purchases. This is during your birthday month.
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
BENEFITS
STAR benefits - The STAR benefits scheme is for Famous Footwear. It is their lower reward level. It offers you $5 in Reward Cash for every 100 points you spend at Famous Footwear. That said, this only counts up to a maximum of $75 in rewards points per transaction. Birthday month - Members can receive 2X points per dollar spent on all purchases. This is during your birthday month. Superstar membership - Members who spend $200 or more over 12 months will get Superstar membership. Superstar membership will receive 1.5 points instead of 1 point for every $1 in purchases SUPERSTAR benefits - Famous Footwear’s SUPERSTAR benefits scheme is a higher rewards tier. You can unlock it by spending $200 in a year. SUPERSTAR members get 1.5 points for every $1 in purchases. They also get free shipping and $10 in Reward Cash on your birthday. Free Shipping - No minimum on all orders online and from your store — just for members 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 ADVANCE FEE / APR
Cash advance Not Allowed Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
Balance Transfers Not Allowed Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
RECOMMENDED CREDIT SCORE
600 - 850 (Poor - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 3% in U.S. dollars
BEST FOR
  • Students
  • Health and Wellness
  • Sports and Fitness
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness
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