Chase Freedom Unlimited®: review

Chase Freedom Unlimited®’s useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

With this card, you have a card that can really pile up the cash back. And if you carry other credit cards that also earn Chase Ultimate Rewards® points, it packs even more value.

Make the Chase Freedom Unlimited® a top-of-wallet card for every purchase, and you’ll be sure to score those bonus rewards without having to think much about it.

Pros & Cons

Pros

• No annual fee
• Intro APR period
• High rewards rate
• No minimum redemption amount

Cons

• Requires good/excellent credit

Rates, fees & offers

• Annual fee: $0
• Rewards rate: 1.5% – 5%
• Bonus offer: 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
• Intro APR: 0% intro APR on Purchases for 15 months
• Ongoing APR
  APR: 14.99% – 23.74% Variable APR

Penalty APR: 29.99%
Cash Advance APR: 24.99%, Variable

• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Foreign transaction fee: 3%

Review

Unlimited cash back

• 5% on Chase Travel purchased through Ultimate Rewards®opens overlay
• 3% on drugstore purchases
• 3% on dining at restaurants, including takeout and eligible delivery services
• 1.5% on all other purchases

Restaurants Zero Delivery Fee

Get a complimentary 3 months of DashPass, DoorDash’s subscription service that provides unlimited deliveries for a $0 delivery fee on eligible orders over $12 on DoorDash and Caviar.

After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.

Chase Ultimate Rewards® points

Although the Chase Freedom Unlimited® is marketed as a cash-back card, your spending actually earns Chase Ultimate Rewards® points. Points are worth a penny apiece when redeemed for cash back, thus you get 1.5% cash back or more depending on the category of your purchase. Points may also be redeemed for:

• Gift cards at 1 cent per point.
• Travel booked through Chase at 1 cent per point.
• Amazon purchases at 0.8 cent per point.

The Chase Freedom Unlimited® is an excellent card on its own, but it’s even better as a companion to other cards that earn Chase Ultimate Rewards® points.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

• Social Security Number
• Gross income
• Employer name (if applicable)
• Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.