ProsCons
Great reward rates5% balance transfer fee (minimum of $5)
Rewards never expire3% foreign transaction fee
No cap on cash back
$200 sign-up bonus

Hidden perks

This card is most suited for wanderlusts and those bitten by the travel bug. Foodies can maximize their rewards potential whether they dine out or stay in. Who doesn’t want to earn cash back on take-out and deliveries!?

The 0% introductory APR and sign-up bonus make this an attractive credit card choice. For those always on the road, you can save even more at hotels, dining out, and at the gas pump.

Comparing Chase Freedom Unlimited with similar cards

Chase Freedom Unlimited®

Apply now with Chase
Reward rate1.5% - 5%
Reward detailsEarn unlimited 1.5% cash back or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase.
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 28.99%
Read full review

Wells Fargo Active Cash®

Apply now with Wells Fargo
Reward rate2.00%
Reward detailsEarn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Citi® Double Cash

Apply now with Citi
Reward rate2.00%
Reward detailsEarn cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Bonus:NA Annual fee$0
Regular APR18.99% - 28.99%
Read full review

Beyond the basics

Balance transfer intro APR 15.24% to 23.99%, based on your creditworthiness.
Cash advance APR 25.24%
Foreign transaction fees 3% of each transaction
Loan APR 20.24%-28.99%
Late payment fee Upto $40
Penalty APR 28.99%
Credit score required 670+

Other offers

  • Zero liability protectionThis means you won’t be held responsible for unauthorized charges made with your card or account information.
  • Purchase protectionCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Extended warranty protectionExtends the time of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
  • Trip cancellation/interruption insuranceYou can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
  • 24/7 Fraud ProtectionSafeguard your account using real-time monitoring for possible signs of fraudulent activity.
  • Fraud AlertsIn the case of unusual activity, Chase can notify you by phone, text*Same page link to Offer Details or email.
  • Auto Rental Collision Damage WaiverDecline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
  • Travel and Emergency Assistance ServicesIf you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

What we like about this card

Generous cash back

Earn unlimited 1.5% cash back on every purchase in addition to 3% on dining at restaurants, 3% on drugstore purchases, and 5% on travel booked directly through Chase Ultimate Rewards.

Introductory APR

Enjoy a 0% intro APR on purchases for the first 15 months (subject to change).

No annual fee

This card doesn't charge an annual fee, making it cost-effective.

Rewards flexibility

Cash back rewards don't expire and can be redeemed in various ways (travel, gift cards, statement credits).

Drawbacks and considerations

Foreign transaction fees

Charges a fee of 3% for transactions made outside the U.S.

Limited bonus categories

While it offers a steady cash back rate, other cards might offer higher rewards in specific categories that are more applicable to your interests.

Credit requirements

May require a good to excellent credit score for approval if you have a short credit history or no history with Chase.

Balance transfer fees

Charges fees for balance transfers, which could affect the overall cost-effectiveness for debt consolidation. The fee is either $5 or 3% (whichever is greater) for the first 60 days after account opening before increasing to $5 or 5% (whichever is greater).

How to decide if this card is right for you

Deciding if the Chase Freedom Unlimited is the ideal credit card for you hinges on aligning its features with your spending habits and financial goals.

Assess your priorities

If you prefer simplicity and consistent rewards, the 1.5% cash back on all purchases without rotating categories might be appealing. The fact that you can earn an additional 3% on dining at restaurants and drugstores along with 5% on travel booked through Chase Ultimate Rewards is simply a bonus.

Consider your credit score as well

This card typically suits those with good to excellent credit. Additionally, if you plan on making significant purchases in the introductory period, the 0% APR can be advantageous. However, if you frequently travel abroad, the foreign transaction fees might not align with your needs. Ultimately, evaluate how well the card's benefits, like no annual fee and versatile redemption options, complement your spending patterns and preferences before making a decision.

Found a prefect pair

Pair your Chase Freedom Unlimitedwith Chase Sapphire

Chase Sapphire Preferred

Apply now with Chase

To get even more rewards from the Chase Freedom Unlimited Credit Card, pair it with the Chase Sapphire card. You have the option to combine your rewards through the Sapphire account and boost your points when you are booking travel.

Apply now with Chase

Methodology

Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

  • Assess the interest rates charged on outstanding balances.
  • Evaluate the cost of owning the credit card, including any annual fees.
  • Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  • Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  • Consider the card’s credit limit and its suitability for different financial needs.
  • Review late fees, foreign transaction fees, and other charges.
  • Determine the credit score needed to qualify for the card.
  • Research the quality and accessibility of customer support.
  • Assess security measures such as fraud protection and chip technology.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.

Why Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.

FAQs

The choice between Chase Freedom Unlimited and Freedom Flex largely depends on your spending habits and preferences. The Chase Freedom Unlimited offers a consistent 1.5% cash back on all purchases, in addition to 3% on dining at restaurants and drugstore purchases, making it straightforward for those who prefer a steady rewards rate. On the other hand, the Chase Freedom Flex provides rotating bonus categories that offer higher cash back rates (up to 5%) in select areas like consumer shopping, travel, and more. If you’re willing to track and maximize category spending, the Freedom Flex might yield higher rewards. Consider your spending patterns to determine which aligns better with your lifestyle.

Yes, you can have both the Chase Freedom Unlimited and Chase Freedom Flex cards. These cards complement each other, as they offer different rewards structures. However, it’s important to note that Chase might have their own restrictions or rules regarding the number of cards you can have within a specific timeframe.

Obtaining the Chase Freedom Unlimited typically requires a good to excellent credit score. Applicants with credit scores generally above 670 have a higher chance of approval. However, approval also depends on various factors beyond just the credit score, such as income, existing debts, and other financial aspects. It’s advisable to assess your own creditworthiness before applying to determine your likelihood of approval.

The credit limit on the Chase Freedom Unlimited card varies based on individual credit profiles and other factors. Some users report initial credit limits ranging from a few hundred to several thousand dollars. Generally, a higher credit score and a strong credit history might result in a higher credit limit. Keep in mind that credit limits can also be influenced by factors like income, existing debts, and the issuer’s assessment of your creditworthiness.

Check out popular cash back cards

Discover it® Cash Back

Apply now with Discover
Reward rate: 1% - 5%
Reward details: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 1% cash back on all other purchases automatically. close-icon

Card summary

Annual fee: $0
Regular APR: 16.49% - 27.49%

Capital One SavorOne Cash Rewards

Apply now with Capital One
Reward rate: 3.00%
Reward details: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. close-icon

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Annual fee: $0
Regular APR: 19.99% - 29.99%

American Express Blue Cash Preferred®

Apply now with American Express
Reward rate: 1% - 6%
Reward details: Earn 6% cashback on groceries and streaming, 3% on transit and gas, 1% on all other purchases close-icon

Card summary

Annual fee: $95
Regular APR: 20.99% - 29.99%

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