Chase Freedom Unlimited® | Up to 5% Cash Back
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The Chase Freedom Unlimited® is a top-rated card due to its signup bonus and excellent cash back rewards. You get elevated cash back rewards on dining, drugstore purchases, and travel, plus 1.5% on all other purchases. There’s a welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. There’s also a 0% introductory APR offer on purchases and balance transfers for 15 months, then a variable APR of 20.49% - 29.24%. All with no annual fee. We dive into the details and your approval odds in this Freedom Unlimited review.
Our Rating
4.9/5.0
Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)
Annual Fee
$0
0% on Purchases
15 months
Reward Rate
1.5% – 5%
0% on Balance Transfers
15 months
>>Check Out This and Other Cash Back Credit Cards Here
Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Features & Benefits
Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
Benefits | Extended Warranty Coverage, Purchase Protection |
Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Trip Delay Reimbursement, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
Regular APR | 20.49% - 29.24% (V) APR |
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 20.49% - 29.24%(V) APR after that. |
Balance Transfer Intro Fee | Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days |
Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
Purchases | 0% Intro APR for 15 months on purchases, then 20.49% - 29.24% (V) APR after that. |
What Credit Score Is Required to Get the Chase Freedom Unlimited®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 740
Average Approved Credit Score: 767
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/20/2023 | Experian | ||
Approved | 07/18/2023 | Experian | ||
Approved | 07/18/2023 | TransUnion | ||
Approved | 07/18/2023 | Equifax | ||
Approved | 09/06/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Denied | 09/05/2023 | Experian | ||
Denied | 09/05/2023 | Equifax | ||
Denied | 09/05/2023 | TransUnion |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 5% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.