Chase Freedom Unlimited® Credit Card Review

If you are looking for a straight-forward rewards program, you have found it in the Chase Freedom Unlimited® credit card.

Written by : Updated On: July 20
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The basics

Reward Rate:

Groceries

Travel

5%
Groceries

Dining

5%
Groceries

Drugstore

3%
Groceries

All other purchases

1.5%

5% back on travel purchased through Chase Ultimate Rewards®.

3% back at restaurants, including takeout and eligible delivery services.

3% back on drugstore purchases.

Through March 31, 2025, 5% back on qualifying Lyft services purchased through the Lyft app.

Free DoorDash or Caviar Membership for 3 months (activate by December 31, 2024)

3 Month Complimentary Instacart+ membership (enroll by 7/31/2024)
Up to $10 per quarter in statement credits on Instacart (through July 2024)

1.5% cash back on everything else.

 

Key Features:

Annual Fee

None

Intro APR

0% APR for the first 15 months

Regular APR

20.24%-28.99%

Signup Bonus

signup-bonus

$200 bonus plus 5% cash back at gas stations.

Redemption ways

signup-bonus

Redeemed through Ultimate Rewards on Chase.com app or website.

Our Verdict

If you love to travel, be sure to pack this card along for the ride. The whopping 5% cash back blows all other cards right out of the water. This is a special card, and the offers don’t stop.

With new bonuses, no annual fee, and low APR, your savings potential is unlimited. The card also offers no expiration date on your points—so you can save up for the trip of your dreams and get paid for it!

Best Suited for:

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Health nut

Eat healthy, exercise, and take care of yourself is your mantra. You belong to the best gyms, follow all the latest healthy food recommendations, and make a trip to the drug store every week to purchase the latest supplements and vitamins.

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Digital junkie

Netflix, Amazon Prime, YouTube, Apple TV, Spotify, Hulu, you've got them all. There is so much high-quality content to stream out there, and you want to see and hear it all. And you have the best electronic equipment to stream it on. You also try to save on utilities for your digital household. You deserve to get some cash back for all of this (especially being ahead of the game with finding the next binge-worthy show.

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Social butterfly

You are a person of the people and love to hang out with your friends whether it is a beautiful meal out, attending a sporting event or rocking out at a live concert. If something fun is happening, you want to be there and get rewarded for it.

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.

Pair this card with:

Chase Sapphire Preferred® card

citi-Premier

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 for: Chase Sapphire Preferred Credit Card

Beyond the basics

Balance Transfer Intro APR

15.24% to 23.99%, based on your creditworthiness.

Cash Advance APR

25.24%

Foreign Transaction Fee

3% of each transaction

Loan APR

20.24%-28.99%

Late Payment Fee

Up to $40

Penalty APR

Up to 28.99%

Credit Score Required

Your FICO score will determine what rate you are eligible for.

Other Offers

This means you won’t be held responsible for unauthorized charges made with your card or account information.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extends the time of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

You 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.

Safeguard your account using real-time monitoring for possible signs of fraudulent activity.

In the case of unusual activity, Chase can notify you by phone, text*Same page link to Offer Details or email.

Decline 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.

If 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.)

Cashback Example

You can shop with points at Amazon, redeem for cash back at any time in your Chase account in the Ultimate Rewards section, purchase gift cards, and use your points when you book travel.

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

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