Share on X
Share on Facebook
Share on Pinterest
Share on Whatsapp
Share on FlipboardChase 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.
Chase Freedom Unlimited®
1.5% - 5%
Travel
5%
Dining
5%
Drugstore
3%
Other purchases
1.5%
Fees and APR
Other features
$200
Redeem for cash back, Shop with Points at Amazon, Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, Book your travel with Chase Ultimate Rewards for competitive rates and flexible ways to pay.
Our Verdict
Best Suited for:
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.
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.
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.
| Pros | Cons |
|---|---|
 Great reward rates |  5% balance transfer fee (minimum of $5) |
| Rewards never expire | 3% foreign transaction fee |
| No cap on cash back | |
| $200 sign-up bonus |
Comparing Chase Freedom Unlimited with similar cards
Chase Freedom Unlimited®
Wells Fargo Active Cash®
Citi® Double Cash
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
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.
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
American Express Blue Cash Preferred®
Card summary
Discover it® Cash Back
Card summary
Capital One SavorOne Cash Rewards
Card summary
At a Glance 
In this article
