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®

(246 reviews)

  • $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 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 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

Top Rated For

    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!

    Editor

    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 opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.But 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

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