Chase Freedom Unlimited® Credit Card: a smart way to maximize every purchase
The Chase Freedom Unlimited® Credit Card is a powerful tool for everyday purchases, offering robust cashback rewards, zero annual fees, and additional perks that make it one of the most flexible cards available today. Whether you’re buying groceries, booking travel, or dining out, this card ensures that every dollar you spend works harder for you.
By: Zienic
Unlimited 1.5% Cash Back on All Purchases
Earn a consistent 1.5% cash back on every purchase, with no cap or category restrictions.
3% Cash Back on Dining and Drugstore Purchases
Enjoy elevated rewards when eating out or picking up prescriptions.
5% Cash Back on Travel Purchased Through Chase Ultimate Rewards®
Book travel via Chase’s portal and earn even higher rewards on flights, hotels, and car rentals.
No Annual Fee and Intro APR Offer
Pay no annual fee and enjoy 0% intro APR on purchases and balance transfers for 15 months.
A Versatile Card With Generous Rewards
The Chase Freedom Unlimited® Credit Card is a compelling choice for both newcomers to credit and savvy users seeking optimized spending. Its flat-rate 1.5% cash back on all purchases removes the need to track rotating categories or spending limits. What sets it apart even more are the elevated rates in high-spend categories: 3% on dining and drugstore purchases and 5% on travel when booked through Chase Ultimate Rewards®. These rates rival many premium cards—without the hefty fees. The introductory 0% APR on purchases and balance transfers for 15 months gives you breathing room to manage larger expenses or consolidate debt. Plus, cash back earned can be redeemed for statement credits, travel, gift cards, or even used to shop at Amazon. Another significant advantage is the integration with Chase Ultimate Rewards®, one of the most robust reward platforms available. If you also hold other Chase cards like the Sapphire Preferred® or Reserve®, you can combine points for even more value. With no annual fee, compelling rewards, and a host of extra benefits like purchase protection and extended warranty coverage, the Chase Freedom Unlimited® is a top-tier contender for anyone looking to maximize value without overcomplicating their wallet.
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What credit score is needed to get the Chase Freedom Unlimited® Credit Card?
Most applicants approved for this card have good to excellent credit, typically with a FICO score of 670 or higher.
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Does the Chase Freedom Unlimited® have foreign transaction fees?
Yes, the card charges a 3% foreign transaction fee, so it may not be the best choice for international travel.
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Can I combine Chase Freedom Unlimited® rewards with other Chase cards?
Absolutely. Points earned can be combined with other Chase Ultimate Rewards® cards, like the Sapphire Preferred® or Reserve®, for enhanced travel value.
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How does the intro APR work?
You’ll pay 0% interest on purchases and balance transfers for the first 15 months. After that, a variable APR of around 20–28% applies based on your creditworthiness.
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Is there a welcome bonus?
Yes. New cardmembers often receive a welcome offer—such as earning a $200 bonus after spending $500 in the first three months. Offer terms may vary, so check Chase’s website for current promotions.
How to Apply for the Chase Freedom Unlimited® Credit Card
Applying for the Chase Freedom Unlimited® Credit Card is a straightforward process that can typically be completed online within minutes. To begin, visit the official Chase website and navigate to the Freedom Unlimited® page. There, you’ll find an overview of the card’s benefits and a clear “Apply Now” button. When applying, you’ll need to provide personal information including your full name, Social Security number, address, employment status, and income. This information helps Chase assess your creditworthiness and determine your eligibility. A good to excellent credit score (typically 670 and above) increases your chances of approval. If you’re an existing Chase customer, the process may be even smoother, as some fields may be prefilled based on your account profile. Once your application is submitted, you might receive a decision within minutes. In some cases, Chase may require additional information and notify you via email or regular mail. Once approved, you’ll receive your card by mail in 7–10 business days. Activation can be done online or via the Chase mobile app. You’ll also gain instant access to your card details to begin using it for online purchases. Be sure to set up online account access and enable notifications to stay on top of transactions, rewards tracking, and monthly statements.