Unlimited 1.5% cash back on every purchase
Pros
- Unlimited 1.5% cash back on every purchase
- Bonus rewards on dining, drugstores, and travel booked through Chase
- No annual fee
- Intro APR on purchases and balance transfers
- Sign-up bonus available for new cardholders
Cons
- 3% foreign transaction fee
- Rewards are better when redeemed through Chase Ultimate Rewards®
- Requires good to excellent credit
- No premium travel benefits like lounge access
- Balance transfer fee applies
Company Overview
Chase is one of the largest U.S. banks, serving millions of credit card customers. The Chase Freedom Unlimited® Card is one of its most popular rewards cards. It offers flexible cash back, a strong intro bonus, and useful benefits without an annual fee.
JPMorgan Chase is a leading global financial institution with strong consumer banking services. Its credit card lineup includes travel, cash back, and business cards.
The Chase Freedom Unlimited® Card is built for everyday spending. It combines unlimited cash back with bonus categories, a sign-up offer, and travel perks through Chase Ultimate Rewards®. This makes it one of the most versatile no-annual-fee cards available today.
Ideal For
JPMorgan Chase is a leading global financial institution with strong consumer banking services. Its credit card lineup includes travel, cash back, and business cards.
The Chase Freedom Unlimited® Card is built for everyday spending. It combines unlimited cash back with bonus categories, a sign-up offer, and travel perks through Chase Ultimate Rewards®. This makes it one of the most versatile no-annual-fee cards available today.
Interest and Fees
The Chase Freedom Unlimited® Card includes a 0% intro APR for 15 months on both purchases and balance transfers. This feature helps customers finance large purchases or consolidate existing debt.
After the intro period, the regular APR ranges from 20.49% to 29.24% variable based on creditworthiness. Balance transfers have a fee of either $5 or 3% of the amount, whichever is greater, within the first 60 days. After that, the balance transfer fee is 5% of the transfer amount.
The card has no annual fee, but it charges a foreign transaction fee of 3%, making it less ideal for international use.
Rewards
The Chase Freedom Unlimited® Card provides strong, flexible rewards:
- 5% cash back on travel purchased through Chase Ultimate Rewards®
- 3% cash back on dining and drugstore purchases
- 1.5% cash back on all other purchases
New cardholders can also earn a sign-up bonus after meeting a minimum spending requirement within the first few months. This bonus changes from time to time but often adds significant early value.
Rewards are tracked as Chase Ultimate Rewards® points. Points can be redeemed for cash back, travel, gift cards, or shopping with partners like Amazon. When paired with premium Chase cards like Sapphire Preferred® or Sapphire Reserve®, points can gain even more value for travel redemptions.
The Application Process
Applying for the Chase Freedom Unlimited® Card is simple and can be done online through Chase’s website. Applicants must provide personal details, income information, and consent for a credit check.
Approval usually requires good to excellent credit, with FICO scores starting near 670. Some applicants receive instant decisions, while others may need further review. If approved, the card typically arrives within 7–10 business days.
Security
The Chase Freedom Unlimited® Card includes standard Chase security protections. Cardholders receive zero liability for unauthorized purchases, 24/7 fraud monitoring, and instant alerts for suspicious activity.
Through the Chase mobile app, cardholders can lock and unlock their card, set up alerts, and manage digital wallet access. The card includes EMV chip technology for secure transactions and offers additional identity protection services.
Customer Support
Chase offers multiple ways to support Freedom Unlimited® cardholders.
Customer Service Phone: 1-800-432-3117
Fraud Protection Line: 1-800-955-9060
Website: chase.com
Mobile App: Available for iOS and Android
The Chase app allows cardholders to track rewards, pay bills, and set alerts. Chase also offers secure messaging and 24/7 customer assistance for account concerns.
Conclusion
The Chase Freedom Unlimited® Card is one of the best all-around no-annual-fee cards. It combines unlimited 1.5% cash back with bonus categories that cover everyday spending. Add a sign-up bonus and a 0% intro APR offer, and it’s easy to see why it’s a top choice.
It does have a 3% foreign transaction fee and lacks premium perks. But for everyday use, this card offers strong value without complexity. For customers who want rewards flexibility and steady cash back, the Chase Freedom Unlimited® Card remains an excellent choice.
Frequently Asked Questions
1. Does the Chase Freedom Unlimited® Card have an annual fee?
No. The card has no annual fee, making it easy to keep long term.
2. What credit score is needed for approval?
Most applicants need a FICO score of 670 or higher to qualify.
3. How much cash back can I earn?
There’s no cap on rewards. You earn unlimited cash back across all categories.
4. Can I transfer rewards to other Chase cards?
Yes. Rewards can be transferred to premium Chase cards for higher travel value.
5. Does the card work well for balance transfers?
Yes, it includes a 0% intro APR on balance transfers for 15 months, with fees.