Chase Freedom Unlimited Credit Card Review | CompareCredit

Chase Freedom Unlimited® Review

By Thomas Donaldson

The Chase Freedom Unlimited® proves that you don't need to pay an annual fee to get plenty of perks from your credit card. This card offers a big sign up bonus, 0% intro APR, and a highly competitive ongoing cash rewards on purchases.

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Chase Freedom Unlimited®

(218 reviews)

Current Offer
$200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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on Chase's secure site

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR on Purchases for 15 months
  • 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases
  • $0
  • Excellent/Good
Product Details
  • Click "APPLY NOW" to apply online
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

Our Expert Review

Why We Like It


Offer Rating

4.5/ 5

By Our Editorial Team

Key Benefit

The cash back never stops with this credit card – 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases!

Compare Credit logomarkEditor

The Chase Freedom Unlimited® is a powerful piece of plastic that has a little something for everyone. The stand out feature of this card is the stellar rewards program offering top-tier cash back rates: 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Cardholders will also earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account openingBut there's a lot more to the Chase Freedom Unlimited® for consumers to like.

If you're looking for a lengthy intro APR, this card comes with 0% Intro APR on Purchases for 15 months. That makes it a great fit if you want a lengthy intro purchase APR to finance a big purchase. As if the cash back rewards and low interest rates weren't enough, cardholders will love that this card also comes with no annual fee.

Below the surface, there are some really enticing perks with the Chase Freedom Unlimited®. While this no annual fee card mostly focuses on cash back and low interest, cardholders can use it to boost their travel rewards if they also carry the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® card. Many travel enthusiasts who carry one of this popular travel cards from Chase also use the Chase Freedom Unlimited® to boost their rewards earning with the 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases.

Pros & Cons

Pros

  • Unlimited cash back rewards and a generous sign up bonus
  • Lengthy 0% intro APR on purchases
  • Ability to see easily combine points with your other Chase Ultimate Rewards credit cards

Cons

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars
  • At 14.99 - 23.74% Variable, the ongoing APR is relatively high

Pros Explained

  • Unlimited cash back rewards and a generous sign up bonus: Some cards have annoying caps on the amount of cash back you can earn on purchases – not here!
  • Lengthy 0% intro APR on purchases: While the cash back is really what makes this card shine, it also doubles as a low interest card thanks to the 0% Intro APR on Purchases for 15 months
  • Ability to see easily combine points with your other Chase Ultimate Rewards credit cards: If you have other rewards cards from Chase (like a Sapphire or Ink Business card) you can easily sync your accounts to combine rewards

Cons Explained

  • There is a foreign transaction fee of 3% of each transaction in U.S. dollars: If you use this card while traveling outside of the United States you will be charged a small fee for each transaction. Some credit cards offer no foreign transaction fees.
  • At 14.99 - 23.74% Variable, the ongoing APR is relatively high: We don't recommend carrying a balance on this card past the 0% intro period. If you only make the minimum payment, the interest charges can pile up quick and be very costly!

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