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Chase Freedom Unlimited®

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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®.

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
How To Apply Read our Review

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 months

Balance 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.
How to Transfer a Balance on a Credit Card

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
Learn About Types of Credit Card Fees

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.
How to Get a Cash Advance with a Credit Card
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 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).