Chase Freedom Unlimited℠
- 1.5% Cash Back on everything
- $150 Cash Signup Bonus after you make $500 in purchases within the first 3 months
- 0% Intro APR on balance transfers and purchases for first 15 months
- $0 Annual fee
- Credit Needed: Good, Excellent
- View Terms
Why We Like It
The Chase Freedom Unlimited℠ is one of our top rewards card for earning Cash Back with no annual fee.
Earn a flat 1.5% Unlimited Cash Back on every purchase.
A huge sign-up bonus: Earn a $150 Cash Back Bonus after you make $500 in purchases within the first 3 months of account opening!
This card also offers a generous 0% APR introductory period on purchases and balance transfers for the first 15 months from account opening.
Get an introductory APR rate of 0% for 15 months for BOTH purchases and balance transfers from the date of account opening
$150 Cash Back Bonus if you spend $500 within first three months of opening an account
We recommend you have Good to Excellent (approx. 690 and higher) credit before applying for this card.
You'll also earn a $25 Cash Bonus if you add an Authorized User and they make a purchase within the same 3-month period of account opening.
$150 Signup Bonus is only available to new cardholders or cardholders who haven't received a new cardmember bonus for this card within the last 24 months.
Additional benefits include:
- Price Protection: if you make a purchase and find a lower price advertised within 90 days, you'll be reimbursed the difference, up to $500 per item, $2,500 per year
- Purchase Protection: cover purchases for 120 days against damage or theft
- Auto Rental Insurance: coverage for damage due to collision or theft
- Plus, based on your credit score you'll receive a Visa Signature card or Visa Platinum card that provide different additional benefits
|Purchase APR||15.99% to 24.74% variable|
|Intro Purchase APR||0% Intro APR for the first 15 billing cycles that your Account is open|
|Intro Purchase Period||15 billing cycles|
|Balance Transfer APR||15.99% to 24.74% variable|
|Intro Balance Transfer APR||0% Intro APR for the first 15 billing cycles that your Account is open|
|Intro Balance Transfer Period||15 billing cycles|
|Balance Transfer Fee||Either $5 or 5% of the amount of each transfer, whichever is greater|
|Cash Advance APR||Either $10 or 5% of the amount of each transaction, whichever is greater|
|Cash Advance Fee||Either $10 or 5% of the amount of each transaction, whichever is greater|
|Late Payment Fee||Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more|
|Foreign Transaction Fee||3%|
|Rewards Rate||1.5% Cash Back on all purchases|
|Rewards Rate Details||Cash Back rewards don't expire as long as your account is open|
|Credit Needed||Good, Excellent|
Thoughts from Actual Users
"This card is awesome. I have spent around $250 in only one month and am reaching to get the $150 cashback bonus. Definitely worth the shot of getting this one." Tony S. of Las Vegas, NV
"I love that this Chase card doesn't cap cash back. So if I don't want airline miles and just want cash back, I put all my purchases on this card and there's no limit to how much cash back I can earn. Glad I took the time to find out about the Freedom Unlimited and apply, use it daily." George S. of Redondo Beach, CA
"I have had his card for just about two months now and it is amazing. I have more reward points, got an additional 150$ back and 0% interest for another 15 months. What's not to love. Put my entire school tuition for this semester on this card and paid the card off with stored funds rather than paying it directly and got a ton of cash back!! Highly advise this card!" Minelli A. of Oxford, OH