Chase Freedom Unlimited Reviews: 720+ User RatingsReviews, rates, fees, and rewards details for The Chase Freedom Unlimited®. Compare to other cards and apply online in secondsJohn KiernanWalletHubEarn rate: 1.5 - 5% cash back0% for 15 months on purchases and balance transfers$0 annual feeBalance transfer feeForeign transaction feePotential for a high regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
INTRO OFFER
Earn 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!
Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee.
WalletHub Rating Breakdown
User Reviews
3.6/5
798 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
3.8
Rewards
3.4
Cost
4.7
Other Features
0.0
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
INTRO OFFER
Earn 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!
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Chase Freedom Unlimited Annual Fee
$0
Chase Freedom Unlimited APR on Purchases
0% intro APR for 15 months, 20.49% - 29.24% (V) APR after that
Chase Freedom Unlimited Balance Transfer
0% intro APR for 15 months, 20.49% - 29.24% (V) APR after that
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)
Chase Freedom Unlimited Rewards
INTRO OFFER: Earn 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!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Chase Freedom Unlimited's Additional Info
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
cash advance fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
0% for 15 months on purchases and balance transfers
$0 annual fee
Balance transfer fee
Foreign transaction fee
Potential for a high regular APR
Chase Freedom Unlimited Review
John Kiernan
5.0 / 5
Chase Freedom Unlimited is a very good credit card, according to WalletHub’s proprietary 100-point card rating system. It’s worth applying for the Chase Freedom Unlimited card if you have a good credit score and you want to earn rewards as well as enjoy low introductory interest rates without paying an annual fee.
The Freedom Unlimited card rewards users with 1.5 - 5% cash back on purchases, plus an extra 1.5% cash back on up to $20,000 spent the first year. It also offers a promotional APR of 15 months. These features are elite, based on WalletHub’s analysis of 1,500+ credit card offers.
Below, you can find more details to help you decide whether or not to apply for Chase Freedom Unlimited.
Chase Freedom Unlimited Review Highlights
Extra 1.5% back in the first year
Currently, Chase Freedom Unlimited gives you an extra 1.5% cash back on everything you buy, up to $20,000 spent in the first year. That could result in up to $300 in additional cash back. More specifically, you’ll be earning 6.5% on travel purchased through Chase, 4.5% on dining and drugstores, and 3% on all other purchases.
0% intro rate for purchases and balance transfers
Chase Freedom Unlimited offers 0% APRs for both new purchases and balance transfers for the first 15 months. The purchase part of the equation is fine, as long as you make sure to pay off your full balance by the time well-above-average regular rates take effect. A credit card payoff calculator can help with that. The only potential downsides are the Chase Freedom Unlimited’s higher regular APR and balance transfer fee of 3% for balances transferred in the first 60 days (5% after that).
Solid, straightforward everyday rewards
Chase Freedom Unlimited offers 5% cash back on travel purchased through Chase, as well as 3% cash back at restaurants and on drugstore purchases.
Plus, the 1.5% that you’ll normally earn on any other purchase made with the Freedom Unlimited Credit Card is about 40% more than the average cash back card will give you, according to our latest Credit Card Landscape Report. Earning the same amount on most purchases also reduces hassle.
$0 annual fee
In addition to simply saving you money, Chase Freedom Unlimited’s lack of an annual fee will help you avoid feeling pressured to spend more than you want or close your account earlier than you’d like.
3% foreign fee
You should probably limit your use of Chase Freedom Unlimited to the U.S. Its foreign fee makes it a bad choice for international use, especially when so many no foreign transaction fee credit cards are available.
It’s also important to reiterate that you need good credit or better to qualify for the Chase Freedom Unlimited Card. If you’re not sure where your credit currently stands, you can check your latest credit score for free on WalletHub.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.3
Market Comparison
4.1
fees: 1.3
rewards: 4.8
cost: 4.8
Other Features: 0.0
(798)
(3,514)
(311)
annual fee$0
annual fee$95
annual fee$550
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about Chase Freedom Unlimited® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The Chase Freedom Unlimited® card is hard to get because you are required to have good to excellent credit (a score of at least 700) to have high odds of being approved. You will also need enough yearly income to afford minimum monthly payments.
In addition, Chase considers factors such as your existing debt, monthly housing payment amount, and number of recently opened credit accounts, among others.
You can get a better idea of how hard it will be to get a Chase Freedom Unlimited card through Chase's online pre-qualification tool. You'll know in a matter of seconds what your odds are of getting Chase Freedom Unlimited and other Chase credit cards, based on the information you enter. Plus, pre-qualification doesn't affect your credit score, as the process is done using a soft inquiry.
Being pre-qualified is not a guarantee that you'll get a Chase Freedom Unlimited card, so you will have to submit an application to know for sure. If you do apply for the Chase Freedom Unlimited card, Chase will do a hard inquiry on your credit report. This type of inquiry will knock a few points off your credit score but only temporarily.
No, Chase Freedom Unlimited® is not being discontinued. You can still apply for both the Chase Freedom Unlimited card and the Chase Freedom Flex℠ card, but the original Chase Freedom card was discontinued in September 2020.
Below, you can see what Chase Freedom Unlimited has to offer new applicants. You can also check out the rest of the best Chase credit cards on WalletHub to compare all the available offers.
0% for 15 months Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Regular APR
20.49% - 29.24% (V)
Annual Fee
$0
Rewards Rate
i
INTRO OFFER: Earn 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!
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
1.5 - 5% Cash Back
Min Credit Needed
Good
More Details
Rewards Details
INTRO OFFER: Earn 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!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Additional Info
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
No, Chase Freedom Unlimited is not a good credit card for beginners because it requires at least good credit for approval. This credit score requirement means that the Chase Freedom Unlimited card is not accessible to people who are just starting to build their credit.
Why Chase Freedom Unlimited is a Good Card Overall
Chase Freedom Unlimited offers 1.5 - 5% cash back on all purchases, so its ongoing rewards are simple and easy to manage.
Chase currently gives you an extra 1.5% cash back...
The best Chase Freedom Unlimited benefits include rental car insurance, trip cancellation/interruption protection, and extended product warranties. Both the Visa Platinum and Visa Signature versions of the Chase Freedom Unlimited card have those benefits. Chase chooses whether each Chase Freedom Unlimited applicant gets the Signature or Platinum version of the card based on the applicant's credit history and ability to pay.
Best Chase Freedom Unlimited Benefits
Rental Car Insurance Provides secondary coverage for up to 31 consecutive days against damage and theft,...
The Chase Freedom Unlimited card has a $500 credit limit at a minimum, depending on your credit history and income. If you get approved for the Signature version of the Freedom Unlimited Card, your limit will be at least $5,000.
Chase doesn't publicly disclose a maximum credit limit for the Chase Freedom Unlimited card. But some customers have said that they have received limits of almost $14,000. If you want a limit that high, you'll need spotless credit,...
Yes, the Chase Freedom Unlimited® card is good for travel in the U.S. because it offers 5% on travel purchased through the Chase Travel portal and has a $0 annual fee. The Chase Freedom Unlimited card also comes with travel benefits, like rental car insurance, trip cancellation insurance, a travel emergency hotline, and more.
Things to Know About the Chase Freedom Unlimited Card Before Traveling Abroad
The Chase Freedom Unlimited card is not a good card to use for traveling abroad,...
To maximize Chase Freedom Unlimited, make sure to earn the initial bonus, use the card for everyday spending, and take advantage of the travel, dining, and drugstore bonus categories. You should also pay your statement balance in full every month after the first 15 months, when the 0% purchase APR period expires.
In addition, Chase Freedom Unlimited is a great card to pair with other Chase credit cards that earn Ultimate Rewards points. For instance, Chase Freedom Unlimited rewards can yield maximum...
The Chase Freedom Unlimited sign-up bonus is an extra 1.5% cash back on all purchases, up to $20,000 spent in the first year. That could result in up to $300 in additional cash back.
Having said that, Chase might feature a different sign-up bonus offer for the Chase Freedom Unlimited card if you apply directly through their website.
It's also worth noting that Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). The card's annual fee is $0, and you need at least...
Chase Freedom Unlimited travel insurance covers you for up to $1,500 per person and $6,000 per trip that was cut short or canceled because of illness, severe weather, military transfers, or other covered situations. The card's travel benefits also include rental car insurance and travel emergency services. To be eligible to file a travel insurance claim, you'll need to pay for your travel using your Chase Freedom Unlimited.
The Chase Freedom Unlimited foreign transaction fee is 3% of each transaction in U.S. dollars. This fee applies to transactions made both in person and online.
So, if you plan on spending a lot of money overseas or at foreign-based merchants, it can really add up quickly. Hence, you're better off using Chase Freedom Unlimited for your everyday purchases and getting a second card with no foreign transaction fee for your foreign purchases.
You can check out our editors' latest picks for the...
Share your insights and review for the Chase Freedom Unlimited®
5
35%
4
27%
3
17%
2
11%
1
10%
3.6
798 reviews
798 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
joseph_a_smeraldi @joseph_a_smeraldi
Report Abuse
1 Star Rating
I rented a car in Iceland. Chase told me my credit card provided insurance. They sent me a letter proving this prior to my trip so I could show the rental company. The car was damaged in a parking lot while I was renting it. When I returned the car, the rental company demanded a hold on the credit card for the estimated repairs of $2,564.48. They literally would not drive me to the airport (3 miles away) until I let them put a hold on the card. I almost missed my flight. The rental company told me they would email me the actual bill and final charge. They never did. I asked multiple times, and they refused. I disputed the hold charge with Chase, and they said it was valid, but they also said I can't file an insurance claim because I don't have an actual bill, just the hold charge. The rental company has no incentive to send me the actual bill because Chase is letting them keep the full hold of $2,564.48.
show more
show less
Comment
1
0
Jan Scurlock @sk8ngscurbb
Report Abuse
2 Star Rating
I have owned a Freedom Unlimited Card for over 4 years. It always stopped allowing over-the-limit charges to go through until I lost my home during the pandemic and reached my limit due to over $1,000 in hotel bills. Then, Chase suddenly, without my permission, opted me in for over-the-limit transactions and blocked me from making payments at their ATM machines. It seemed like my interest charges were increasing, which leads me to believe there were hidden fees charged for this service. Chase began reporting this to TransUnion, causing my credit score to drop dramatically by 80 points or more. I reported this to the CFPB twice, then to the DOJ Disability/Civil Rights Division, to the DFPI Financial Commission, and to my branch manager. Let the buyer beware: the name of the card suggests it applies the opt-in rule automatically to everyone when their credit limit is reached. This is non-compliant with the Americans with Disabilities Act. Such a thoughtless concept of "one size fits all" harms the lives of seniors, disabled people, and immigrants from foreign countries—all on fixed income from the US government. Credit bureaus, DOJ Civil Rights, both Attorney Generals, and the media are being alerted about Chase's continuance of their oversight. I was the person who lobbied for the debit card lock on overdraft charges by the OCC—Office of the Comptroller of Currency in Houston. A law was created for both debit and credit cards to include an auto-decline feature—chosen by the consumer, on every single card, unless specified by the consumer. Jan Scurlock See something, say something. Subversion.
show more
show less
Comment
1
0
Rita Song @beanbaby
Report Abuse
1 Star Rating
I've made two purchases from the 'Shop through Chase' portal during Thanksgiving, and I never received my bonus points. I contacted Chase and they first told me the purchase was not travel-related, so I couldn't get the bonus points, and requested that I read the agreement (I've used 'Shop through Chase' for several years, so I don't need to reread the agreement). Secondly, when I called again, they simply hung up the phone. Thirdly, I reported this to the CFPB, and their response was 'it is a merchant issue' and requested that I contact the merchant. However, when I contacted the merchant, it became clear that 'Shop Through Chase' is a Chase program that is not related to the merchant.
show more
show less
Comment
1
0
jay douglas @jaydouglas
Report Abuse
1 Star Rating
WORST CARD EVER **BEWARE** What's bad? Their customer service are clueless, their fraud department don't know to resolve anything, their escalation team won't do anything for you besides listen & say sorry. --- This is my first experience with Chase, and it will be my last. Terrible customer service and it should be called "Chase Restriction Limited".
In the first 3 days of this card, I had to call the fraud team 8 times to stop declining my transactions. Each time I try to use the card at a new *merchant*, they decline my charges. I am not going to call Chase to unlock my card when I use it at a new merchant or Vendor. Credit Card is supposed to make my life more convenient, not restrict my time.
Customer Service centers sucked badly. Takes a minimum of 20 minutes, upwards to an hour each time. Each time, they told me the issue would be taken care of, and I continually had to call to fix this issue. One time, the customer service hung up on me; another time, the customer service rep rushed me to another department and then passed me off for no reason.
Look I understand the security & protection side of things, but this is terrible. The app/user interface is terrible. The customer service is terrible. I can not find one single good thing to say about my short time with Chase.
None of this is exaggerated.
If I can leave you with anything, don't apply to be a Chase Freedom Unlimited customer. Don't put this headache and pain onto yourself. Nobody deserves this.
show more
show less
Comment
1
0
barbara__wallace @barbara__wallace
Report Abuse
1 Star Rating
My review: This credit card is not a good card. They sided with the merchant over work that was not done and told me that they would not honor what their own customer service representative told me to do. I will not recommend them to anyone.
show more
show less
Comment
0
0
Jeannine A Fitzmorris @jeannineang
Report Abuse
5 Star Rating
Verified Customer
It’s great, easy and the team is always available online or over the phone. Everything I’ve needed help, it’s been super quick & problem was solved
show more
show less
Comment
1
0
Conni B @magimae
Report Abuse
3 Star Rating
Verified Customer
I've had this for about 7 years.Never late, paid it off several times and was always on time when making payments. But they refuse to raise my credit limit. I can get another card if I want, but they won't raise my credit limit on this one or any of the other Chase cards. Customer service is really nice and great to deal with but they just don't want to raise my limits, so I generally don't use the card much at all.
show more
show less
Comment
0
2
Nick @nickm_28
I know the feeling. I've got their Saphire Preferred card, had for 3 years, no increases, but yet they pre-approve me for a new Unlimited card with $11k limit. Makes no sense ?
show more
show less
Comment
10
0
Jose P Delgado Gonzalez @josedel99999
Report Abuse
5 Star Rating
Verified Customer
Awesome business, great customer service, very courteous people, highly patient tellers, even more patient managers, CLEAN PARKING LOTS!
show more
show less
Comment
0
2
Michelle McDuffy @mmcduffy
Report Abuse
1 Star Rating
Out of the blue, Chase lowered my limit from $10.6K to $6k and I have never been late or missed a pymt. Score was 743 at the time!
show more
show less
Comment
2
1
Jennifer @jenniferc_453
Report Abuse
5 Star Rating
Verified Customer
Low intro credit line. Generous increase at end of intro APR period. Easy app to navigate. Nice variety of benefits. Highly recommend.
show more
show less
Comment
1
2
Review Chase Freedom Unlimited®
Expert Thoughts on Chase Freedom Unlimited
To help people who are interested in the Chase Freedom Unlimited Card make an educated decision, WalletHub posed the following questions to a panel of experts. You can find the experts listed below. Simply click “READ MORE” to check out an expert’s answers and advice.
Do you think consumers prefer credit cards with simple rewards, or a more complex rewards structure with higher maximum earning rates?
Should consumers look for a single credit card with low rates and good rewards or get two different cards?
Marilyn Goodman Professor of Marketing, City College of San Francisco Read More
Mark Ratchford Professor of Practice, Tulane University, A. B. Freeman School of Business Read More
Mario V. Gonzalez-Fuentes Ph.D., Associate Professor of Marketing, Michael Neidorff School of Business, Trinity University Read More
Thomas Talhelm Associate Professor of Behavioral Science, University of Chicago Booth School of Business Read More
Ernest Baskin Assistant Professor of Marketing at Saint Joseph's University Read More
Jared Watson Assistant Professor of Marketing, New York University, Leonard N. Stern School of Business Read More
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Chase Freedom Flex℠ and Capital One Savor Cash Rewards Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
