Skip to content
RATING

Chase Freedom Unlimited®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The Chase Freedom Unlimited is an excellent rewards card, offering 3% and 5% cash back in useful bonus categories along with unlimited 1.5% cash back for every other purchase.

The information related to Chase Freedom Flex℠ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Apply Now Read Our Review
BEST PICK Best No Annual Fee Credit Cards
RUNNER UP Best 0% APR Credit Cards of October 2021 Best Cash Back Credit Cards of October 2021 Best Credit Card Signup Bonus Offers of October 2021 Best Credit Cards for Good or Excellent Credit Best Credit Cards for Uber and Lyft Best Hotel Credit Cards Best Retail Store Credit Cards of October 2021 The Best Military Credit Cards: Low APRs, Waived Annual Fees, and More
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.99% - 23.74% Variable
Intro Purchase APR: 0% Intro APR on Purchases for 15 months

Chase Freedom Unlimited®

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features

Rewards

Spending Rewards
  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart) up to $12,000 spent in the first year
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1.5% cash back on all other purchases
Introductory Bonus
  • $200 bonus for spending $500 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 14.99% - 23.74% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99%
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater
How to Get a Cash Advance with a Credit Card
Chase Freedom Unlimited®

Highlights

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
ABOUT THE ISSUER

Chase

Chase has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-432-3117 or

Try a different phone number
See all Issuer Cards

The Chase Freedom Unlimited credit card offers 5% cash back on Lyft rides (through March 2022), 5% back on travel through Chase Ultimate Rewards, 3% back on dining and at drugstores, and 1.5% back on every other purchase you make.

You’ll also get an introductory APR of 0% for 15 months for purchases, which is quite a long time compared to most cards. After that your regular APR will be 14.99% - 23.74% Variable.

There is no annual fee for this card.

For a similar card that offers 5% cash back in different bonus categories, check out the Chase Freedom Flex℠ (Review).

Scroll to top