Review of the Chase Freedom Unlimited Credit Card

Brendan Harkness

Brendan Harkness | Reviews

May 13, 2016 | Updated May 16, 2016

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Chase recently came out with this all-around rewards credit card, the Chase Freedom Unlimited.

It provides the same amount of cash back for every purchase you make, plus a signup bonus and a long introductory APR. You’ll also get a few extra benefits provided by Chase and Visa.

Keep reading to learn more about the Freedom Unlimited and find out if it’s the right card for your wallet.

Chase Freedom Unlimited

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.24%, to 23.24% *Variable
Quick Card Facts
  • 1.5% cash back on every purchase
  • $150 signup bonus for spending $500 in 3 months
  • $25 signup bonus for adding an authorized user and making a purchase within 3 months
  • No annual fee
  • 0% introductory APR for 15 months
  • 14.24%, 19.25%, or 23.24% APR *Variable after that
  • Shopping and travel benefits

The information for Chase Freedom Unlimited has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.

The Rewards

You’ll get:

  • 1.5% cash back on every purchase
  • $150 signup bonus for spending $500 in 3 months
  • $25 signup bonus for adding an authorized user and making a purchase in 3 months

Your cash back won’t expire, and you can redeem it at any time and for any amount. This is a great feature compared to many cards, which only let you redeem after you’ve reached a certain amount.

The flat 1.5% cash back for every purchase means you won’t have to worry about reward categories, so you can use this card for any kind of shopping.

Insider Tip: Want to see this card go head to head with another very similar cash back credit card? Then check out The Chase Freedom Unlimited Card vs the Barclaycard CashForward™ World MasterCard®.

The Benefits

Security

  • Zero Liability Protection

    You won’t be held responsible for unauthorized purchases (contact customer service immediately).

Shopping

  • Purchase Protection

    New purchases are covered for 120 days against damage or theft.

  • Price Protection

    Get reimbursed if you find a purchase you made being advertised at a lesser cost within 90 days.

Travel

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for rented vehicles (must decline the rental company’s insurance).

The Costs & Fees

Annual Fee Intro APR for Purchases and Balance Transfers Regular APR for Purchases and Balance Transfers Cash Advance APR Foreign Transaction Fee
$0 0% for 12 months 14.24%, to 23.24% *Variable 25.24% *Variable 3%
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $37 Up to $37

The Bottom Line: 5 Out Of 5 Stars

The Chase Freedom Unlimited Credit Card is pretty straightforward and easy to understand.

You’ll get 1.5% cash back every time you use it, a 0% intro APR for 15 months, and up to $175 in cash back for the signup bonuses.

Is it a good card for you? If you want to make a wide variety of purchases, a cash back card like this is a good option. Other cards offer higher rewards for certain types of spending, like groceries or gas. But they’re not as good for different kinds of purchases, only offering 1% back when you spend outside the category.

We gave this card 5 out of 5 Stars because this card provides offers a relatively good amount of cash back for every purchase compared to other credit cards, at no annual fee. It also gets a lot of points for the long intro APR and the amount of cash back you can get in signup bonuses. If you’re looking for a simple card that provides a good reward for your spending, this one is not a bad fit at all.

Insider Tip: If you’re looking for a card that offers more cash back for certain types of purchases, check out our versus comparison: The Chase Freedom vs the Discover it Card.

Do you use this card? How do you like it? Click here to leave your own review of the Chase Freedom Unlimited, we’d love to hear from you!

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