The Chase Freedom Unlimited® credit card offers attractive rewards and additional benefits for those who want to maximize their returns on everyday spending. With a straightforward and effective cashback structure, it stands out as a versatile option for a wide range of consumers.
In addition to rewards, the card provides perks such as purchase protection, extended warranty, and travel assistance—adding value to the cardholder’s experience. With a $0 annual fee, it’s an economical choice for anyone looking to enjoy benefits without extra costs.
Keep reading to explore all the details about the issuer, the card’s benefits, fees, and how to apply easily and quickly.
Meet the Issuer
Chase Bank, part of the JPMorgan Chase & Co. group, is one of the largest financial institutions in the United States. Known for its reliability and innovation, it offers a broad portfolio of financial products, including highly rewarding credit cards.
With millions of customers worldwide, Chase is synonymous with trust and excellence in banking. Its cards are designed to meet a variety of consumer needs, from travel rewards to exclusive perks. When you choose a Chase card, you’re opting for quality, security, and top-tier customer service.
Main Benefits of the Card
5% Cashback on Travel: Earn 5% cashback on travel purchased through Chase Travel, including flights, hotels, and car rentals.
3% on Restaurants and Pharmacies: Receive 3% cashback on dining (including delivery and takeout) and purchases made at drugstores.
1.5% on All Other Purchases: Enjoy unlimited 1.5% cashback on all other purchases, with no rotating categories or activation required.
Welcome Bonus: Get a $250 bonus after spending $500 on purchases in the first 3 months of account opening.
Purchase Protection: Covers damage or theft of eligible purchases for up to 120 days.
Extended Warranty: Adds an extra year of coverage on eligible warranties of three years or less.
Travel Assistance: Access emergency travel and medical referral services.
Car Rental Collision Coverage: Provides collision damage insurance when you pay for your rental car in full with the card.
No Annual Fee: Enjoy all these benefits without an annual fee.
Chase Freedom Unlimited: Fees and Commissions
The Chase Freedom Unlimited® charges no annual fee, making it a smart option for maximizing rewards with minimal cost.
The introductory APR is 0% for purchases and balance transfers for the first 15 months, followed by a variable APR between 18.99% and 28.49%, depending on creditworthiness.
The balance transfer fee is either $5 or 3% of the amount transferred (whichever is greater) within the first 60 days. After that, it increases to $5 or 5%, whichever is greater.
Fees and terms are subject to change without prior notice. Always check the official Chase website for the most current information before applying.
Card Limit
The credit limit for the Chase Freedom Unlimited varies according to the applicant’s credit profile. The minimum limit starts at $500, but individuals with stronger financial histories may receive higher initial limits.
Chase considers factors such as credit score, income, and payment history when determining your limit. Applicants with excellent credit can qualify for significantly higher limits.
Positive points
- Rewarding cashback structure:5% on travel, 3% on dining and drugstores, and 1.5% on all other purchases.
- No annual fee:Enjoy benefits without paying an annual charge.
- Welcome bonus:$250 after spending only $500 in the first 3 months.
Negative points
- Foreign transaction fee:3% fee applies to international purchases.
- Credit requirements:Good to excellent credit is typically needed for approval.
- Variable starting limit:Some approved applicants may receive lower initial limits.
How to Apply for Chase Freedom Unlimited Credit Card
- Visit the official Chase Bank website.
- Navigate to the credit card section and select “Chase Freedom Unlimited.”
- Click on “Apply Now” to begin your application.
- Fill in your personal and financial information.
- Review and submit your application.
- Wait for the credit decision from Chase.
How to Contact Chase Freedom Unlimited
- Phone: 1-800-432-3117
- Customer Service: 24/7 support available
- Email: Accessible via the official Chase website
- Live Chat: Available through the Chase app or online account portal
The Chase Freedom Unlimited® is a strong option for individuals looking to maximize daily rewards with additional protections and no annual fee. If you’re ready to boost your everyday spending with real benefits, consider applying and take advantage of everything this card has to offer.