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% or 5% cash back in useful bonus categories along with unlimited 1.5% cash back for every other purchase. Those are great rates, but you can get even more out of this card if you pair it with another Chase Ultimate Rewards card with bonus categories, like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®.
Chase Freedom Unlimited®
Highlights & Features
Rewards
- 5% cash back on:
- Travel purchased through Chase Ultimate Rewards
- Lyft rides (through March 2022)
- Grocery store purchases (not including Target or Walmart purchases; 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 monthsBalance Transfers
A balance transfer is a way to move credit card debt from one credit 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. |
Fees
| Penalty APR | N/A |
| Late Fee | N/A |
| Returned Payment Fee | Up to $38 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
Cash Advances
Borrowing cash on your credit 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. |
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 websiteThe 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 earn 5% back on groceries in the first year (up to $12,000 spent).
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).
