Chase Freedom Unlimited Card Review

Aedam Jo Written by
chase freedom unlimited credit card
8.72/10 MyCreditCardLab Score
Chase Freedom Unlimited® Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
7

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% intro APR for 15 months
9

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
20.49% - 29.24% (V) APR after that
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
8.7

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
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!
9.1

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
Unlimited 5% cash rewards on travel and restaurants.
8.1

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
Travel, Dining at restaurants
9.3

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
690 - 850 (Fair - Exceptional)
7.7

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
3% in U.S. dollars
9

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $10)
9.3

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
0% for 15 months from account opening
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Interest Rates
  • Foreign Transaction Fee
  • Sign-Up Bonus
  • Intro APR, Introductory Bonus
  • Spending Categories (Groceries, Dining, Travel, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • 1.5 - 5% cash back
  • 0% APR for 15 months on purchases and balance transfers
  • No minimum redemption amount
  • Earn a $200 bonus

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • Assesses a balance transfer fee.
  • Ongoing balance transfer fee is high
  • 3% Foreign transaction fee
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See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.7

Review: Chase Freedom Unlimited® Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score Chase Freedom Unlimited® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Fair
Regular APR Very Good
Annual Fee Exceptional
Welcome Bonus Very Good
Rewards Very Good
Benefits Good
Recommended Credit Score Very Good
Foreign Transaction Fee Good
Cash Advance Fee Very Good
Balance Transfer Fee Very Good

Who can apply for Chase Freedom Unlimited® Card?

We have categorized Chase Freedom Unlimited® Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

How is Chase Freedom Unlimited® Card Different?

Credit score & identity restoration services: Chase Ultimate Rewards® is a cash back card. The Chase Freedom Unlimited® card is part of the program. It lets cardholders redeem cash back for travel, gift cards, and more. This offers many options for redeeming rewards.

10

Chase Freedom Unlimited® Card Annual Fee

Card type: No Annual Fee Credit Cards

Issuer Name: Chase

No annual fee

Chase Freedom Unlimited® credit card has an annual fee of $0. It offers benefits and rewards tailored to your spending habits. Enjoy perks such as 5%-3% cash back, travel rewards, or points on every purchase.

8.7

Welcome Bonus

The new bonus gives you an extra 1.5% cash back. This is for up to $20,000 of spending in your first year of card membership. Here’s what you’ll get for that first year:

6.5% back for travel purchases through the Chase Travel Portal (normally 5%).
4.5% back on dining and at drugstores (normally 3%).
3% back for all other eligible purchases(normally 1.5%).

7

APRs: Chase Freedom Unlimited® Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Chase Freedom Unlimited® Card.

Type of APR Rating
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 7/10Fair
Regular APR - Intro time end, 20.49% - 29.24% (V) APR after that 9/10Very Good
Purchase - 20.49% - 29.24% Variable APR 8.8/10Very Good
Balance transfer - Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) 9.3/10Very Good
Cash advance - Either $10 or 5% of the amount of each transaction, whichever is greater. 9/10Very Good
Penalty - up to 29.99% 8.5/10Very Good
8.1

Chase Freedom Unlimited® Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Chase Freedom Unlimited® credit card:

Benefits Score
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.

 8.9/10Very Good
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.

 8.9/10Very Good
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).

 9.6/10Excellent
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.

 9.1/10Very Good
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. 

 9/10Very Good
9.1

Chase Freedom Unlimited® Card 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

Credit Needed

Applicants will need “good” to “excellent” credit. They need it to get approved for the Freedom Unlimited®. Chase doesn’t specify the exact credit scores needed for its credit card offers. But, Experian says that those with good credit usually have FICO scores of at least 670. Excellent scores start at 800. In contrast, VantageScore considers scores of at least 700 to be good. Excellent scores start at 750. Please note that these numbers can vary between different bureaus.

Chase Freedom Unlimited® Card Rewards Potential

Category Spending Amount Cash-back % Cash-back Earned
Travel $3,500 5% $175
Dining $3,000 3% $90
Drugstores $700 3% $21
Other $12,000 1.5% $180
TOTAL $25,087 $466

Chase Freedom Unlimited redemption options

Redemption option Point value (cents)
Travel redemption 1
Statement credit 1
Direct deposit 1
Gift cards 1
Apple purchases 1
Amazon.com purchases 0.8
Pro Tip
Pair the welcome bonus with a 0% introductory APR. It lasts for 15 months from account opening. It applies to purchases and balance transfers. An intro transfer fee of either $5 or 3% of each transfer's amount, whichever is greater, applies in the first 60 days after account opening. After that, a fee of either $5 or 5% of each transfer applies. This offer is to max out earnings in everyday categories. And, you have time to pay the balance in full with no interest.
9.3

Recommended Credit Score

Credit Score : 690 - 850 (Fair - Exceptional)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

For individuals considering the Chase Freedom Unlimited® Card, we recommend a credit score between 690 (Fair) and 850 (Exceptional). This range ensures eligibility for personalized benefits and rewards that complement your credit profile. Apply now to access exclusive perks and enhance your credit card experience with us.

Compare The Chase Freedom Unlimited® Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Chase Freedom Unlimited<sup>®</sup> Card Chase Freedom Unlimited® Card Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise℠ Ink Business Cash® Card Ink Business Cash® Card
8.7MyCreditCardLab
Score 		8.3MyCreditCardLab
Score

MyCreditCardLab Score 8.3

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
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
8.9MyCreditCardLab
Score

MyCreditCardLab Score 8.9

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
9.1
Regular APR
9
Rewards
9.3
Benefits
8.4
Welcome Bonus
9.4
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.3
Cash Advance Fee: 8.9
Balance Transfer Fee: 8.5
ANNUAL FEE
$0 $0 $0
INTRO APR
0% intro APR for 15 months N/A 0% for 12 months from account opening date
REGULAR APR
20.49% - 29.24% (V) APR after that 26.74% Variable APR 18.49% - 24.49% Variable
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! Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
REWARDS
Unlimited 5% cash rewards on travel and restaurants. Earn Cash Back - With Chase Freedom Rise℠, you can start building credit while earning 1.5% cash back on all purchases. You get 5% cash back on the first $25,000 spent. This is for combined purchases at office supply stores and on internet, cable, and phone services.
BENEFITS
Travel, Dining at restaurants Free Credit Score, No Annual Fee Purchase protection, Travel and emergency assistance services
CASH ADVANCE FEE / APR
5% (min $10) / 29.99% 5% (min $10) / 29.99% (V) 5% (min $15) / 29.99%
BALANCE TRANSFER FEE
Either $5 or 5% of the amount of each transfer, whichever is greater. $5 or 5% of the amount of each transfer Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 580 (Fair - Poor) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% in U.S. dollars 3% 3%
BEST FOR
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness
  • Students
  • Bad Credit
  • Everyday Spending
  • Cash Back Seekers
  • Small Business Owners
  • Everyday Spending
  • Gas and Groceries
  • Dining Out
More Details Compare More Details Compare

Chase Freedom Flex vs. Chase Freedom Unlimited vs. Chase Freedom Rise

The similar names might make you think the Chase Freedom Flex, Freedom Unlimited, and regular Chase Freedom Rise are the same. But, you’d be mistaken. The cards differ greatly. This is because the Freedom (not Flex) is not available to new applicants. Here’s how the two Freedom Cards compare:

Chase Freedom Unlimited Chase Freedom Flex Chase Freedom Rise
Annual fee No annual fee No annual fee No annual fee
Rewards Earn 5% back on Chase travel, 3% on dining and drugstores, and 1.5% on everything else Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card
Intro APR There is a 0% intro APR for 15 months. It applies to purchases and balance transfers. There is a 0% intro APR for 15 months. It applies to purchases and balance transfers. N/A

Chase Visa Login

Follow these easy steps:

Step 1. Go to the Login Chase Visa page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Chase Visa Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Chase Freedom Unlimited® credit card below and get the answers you're looking for.

Does the Chase Freedom Unlimited have an annual fee?

You won't have to pay an annual fee Opens pricing and terms in a new window. It's for all the great features that come with your Freedom Unlimited® card.

Which is better: Chase Freedom Unlimited or Chase Freedom Flex?

The cards have identical sign-up bonuses, 0% APR periods and $0 annual fees. The main difference is in the rewards. The travel, restaurant and drugstore rewards are the same on both cards.

But, the Chase Freedom Unlimited® offers a solid 1.5% back on "everything else." The Chase Freedom Flex℠ offers 5% cash back on rotating quarterly categories. It offers 1% on other spending.

Can I transfer Chase Freedom Unlimited points to travel partners?

The Chase Freedom Unlimited earns Ultimate Rewards points. But, you can't transfer them to travel partners. Unless, you also have the Chase Sapphire Preferred, Sapphire Reserve, or Ink Preferred. Pair a Freedom Unlimited with one of those cards. You can combine your points and transfer them to travel partners.

Does Chase Freedom Unlimited® have purchase protection?

Yes, the card offers purchase protection. New purchases are covered for 120 days against damage or theft. Coverage is for up to $500 per claim and $50,000 per account.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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