Chase Freedom Unlimited®
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The Chase Freedom Unlimited is a flat-rate rewards card, offering 5% cash back on Lyft rides (through March 2022) and unlimited 1.5% cash back for every other purchase. That’s not a bad rate, but you can get more out of this card if you pair it with another Chase Ultimate Rewards card with bonus categories, like the Sapphire Preferred® or Sapphire Reserve®.
Highlights & Features
Rewards
- 5% cash back on Lyft rides (through March 2022)
- 1.5% cash back on all other purchases
INTRODUCTORY BONUS
$150 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 | 0% Intro APR on Balance Transfers for 15 months |
| Regular Balance Transfer APR | 16.49% - 25.24% Variable |
| Balance Transfer Fee | 3% when you transfer during the first 60 days of account opening, with a minimum of $5. Then, 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 | 26.49% Variable |
| Cash Advance Fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
Chase Freedom Unlimited®
Highlights
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 – 25.24%.
- 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
- No annual fee
- 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 websiteThe Chase Freedom Unlimited credit card offers 5% cash back on Lyft rides (through March 2022) and 1.5% cash back on every other purchase you make.
You’ll also get an introductory APR of 0% for 15 months for both purchases and balance transfers, which is quite a long time compared to most cards. After that your regular APR will be 16.49% - 25.24% 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® (Review).
