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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn an additional 1.5% cashback on all purchases on up to $20k spent within the first year (total 3 points on regular purchases, 4.5 points at dining/drugstores, 6.5 points Chase Travel(SM), etc.). Intro 0% APR for 15 months on purchases and balance transfers (after that 20.49% to 29.24% variable). The balance transfer fee is 3% or $5, whichever is greater. See more info below.

Bonus Value

Approximately $300

Annual Fee

$0

Card Rewards

5 points on travel purchased through Chase Travel(SM), including airline tickets, hotels, car rentals, activities and cruises

5 points on Lyft Rides

3 points on dining, including takeout and delivery

3 points at drugstores

1.5 points on all other purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: March 14, 2024 | Credit Card Review
Card Overview

With the card_name, you get 1.5% cashback on all purchases. It also comes along with some standard credit cards benefits like auto rental insurance, purchase protection, and more. This card earns the highest rewards than any other Chase personal credit card. Plus, the card has no annual fee!

Why I Like This Card

I love the card_name because it earns the most points on “all purchases” than any other Chase personal card and it has no annual fee. So if the bulk of your expenses are in no specific category, this card is perfect for you. For practically nothing, you earn 1.5 points on all purchases, 5 points on travel purchased through Chase Travel(SM), and more rewards in other categories. In terms of benefits, you get a full suite of basic benefits and protections, such as auto rental insurance, trip cancellation insurance, extended warranty protection, purchase protection, and more! If you also want the ability to transfer your points to partner airline and hotel programs, this card pairs well with the card_name and Chase Sapphire Reserve. Like this, you can earn more rewards on this card but still have the ability to transfer to Chase airline and hotel partners.

Card-Smart Tips & Advice
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Double dipping: If you currently have this card open, Chase may not approve you for another one.
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If you get declined then you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login). You can also request Chase to overnight your physical card by calling Chase customer service.

Approval Monitor (submitted by HelpMeBuildCredit users)

84% Approved
727 Avg. Score of those approved
16% Denied
Approved 84% (113)
Denied 16% (22)

Credit limit range $500-$50,000

Avg. Credit limit$8,147

Approved 84% (113)
Denied 16% (22)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer Fee: The intro balance transfer fee on transfers made within the first 60 days of account opening is either $5 or 3%, whichever is greater. After that, the fee is $5 or 5%, whichever is greater.
  • You cannot transfer balances from other credit cards issued by Chase Bank
  • Balance transfers are capped at $15,000 (each month) even if your credit limit is higher
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Welcome Offer Eligibility
The Chase Freedom is not available to either current cardmembers of this credit card, or previous cardmembers of the Chase Freedom Unlimited who received a welcome bonus for the Freedom Unlimited within the last 24 months.
Card Details And Benefits
Auto Rental Collision Insurance

Primary coverage on rentals when renting outside of your country of residence, and secondary coverage on rentals when renting within your country of residence. Coverage is for rentals up to 31 days.

Credits

New! Get a $10 Instacart statement credit each quarter plus a free Instacart+ membership for 3 months

Extended Warranty Protection

Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per account.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Roadside Assitance

Chase will dispatch you assistance for free, but you will need to pay the service fee.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $1,500 per passenger and $6,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more. Only Visa Signature cardholders are eligible.

How can the points be used?
Cashback

The points can be redeemed as cashback for 1 penny per point.

Chase Travel

If you only have the Freedom Unlimited Card then you can get 1 penny per point for Chase Travel(SM).

If you also have the Chase Sapphire Preferred Card or the Ink Preferred Card then you can transfer your points from your Freedom Unlimited Card to one of these cards to redeem 1.25 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.

If you also have the Chase Sapphire Reserve then you can transfer your points from your Freedom Unlimited Card to the Reserve to redeem 1.5 cents per point on Chase Travel, to book flights, car rentals, hotels, and more.

Transfer to airline and hotel programs

If you only have the Freedom Unlimited Card then you cannot transfer your points to any partners.

But if you also have the Chase Sapphire Preferred Card, the Chase Sapphire Reserve Card, or the Ink Preferred, then you can transfer your points to one of these cards and then transfer your points to any of the following Chase Travel Partners.

Airline partners:

Transfer Ratio Transfer Time
Aer Lingus, AerClub 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
British Airways, Avios 1:1 Instant
Emirates, SkyRewards 1:1 Instant
Air France/KLM, Flying Blue 1:1 Instant
Iberia, Iberia Plus 1:1 Instant
JetBlue, TrueBlue 1:1 Instant
Singapore Airlines, KrisFlyer 1:1 12-24 hours
Southwest, Rapid Rewards 1:1 Instant
United Airlines, MilagePlus 1:1 Instant
Virgin Atlantic, FlyingClub 1:1 Instant

Hotel partners:

Ratio Transfer Time
Hyatt, World Of Hyatt 1:1 Instant
IHG, Rewards Club 1:1 1 day
Marriott, Bonvoy 1:1 2 days
Pay Yourself Back

You can also Pay Yourself Back by paying for purchases on your card and offsetting the purchases with points. You can get 1.25 cents per point.

This can only be done on purchases within certain categories, and Chase constantly changes the eligible categories. The current category until 12/31/24 is:

  • Select charities

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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