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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 2020) 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®.

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Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 16.49% - 25.24% Variable
Intro Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months
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 Lyft rides (through March 2020)
  • 1.5% cash back on all other purchases

INTRODUCTORY BONUS

$150 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 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.
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 26.49% 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

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1-800-432-3117 or

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The Chase Freedom Unlimited credit card offers 5% cash back on Lyft rides (through March 2020) 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).