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Chase Freedom Unlimited

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welcome offer

Earn an additional 1.5% cashback on all purchases on up to $20,000 spent within the first year. Intro 0% APR for 15 months on purchases and balance transfers (after that 14.99% - 23.74% variable).

Bonus Value

Approximately $450*

Annual Fee

$0

Card Rewards

5 points on travel purchased through Chase ultimate rewards, 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

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.

Card Overview

With the Chase Freedom Unlimited card, you get 1.5% cashback on all purchases. It also comes along with some standard credit card benefits like auto rental insurance, purchase protection, and more.

Card-Smart Tips & Advice
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more 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
  • Double dipping: If you have any Chase Freedom card currently open (FreedomFreedom Flex, or Freedom Unlimited), Chase may not approve you for a new Freedom card (regardless of which Freedom card you apply for). This rule is not set in stone, though.
  • Chase often declines consumers that currently have any Chase Freedom Credit Card
  • 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. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • 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)

83% Approved
738 Avg. Score of those approved
17% Denied
Approved 83%
Denied 17%

Credit limit range $500-$25,000

Avg. Credit limit$8,498

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.

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. Chase often declines consumers that currently have any Chase Freedom Credit Card (Freedom, Freedom Flex, or Freedom Unlimited).
Card Details And Benefits
Foreign Transaction Fee

3%

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.

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.

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.

Additional Resources

Targeted Offers

These links may have higher targeted offers. (You can try the links through incognito tabs or different browsers). Please note, these links are not affiliated links and we do not earn commission through applications submitted via these links. Please only use these links if you have been targeted for a higher offer.
  • Try browsing to find this offer: Get $250 after spending $500
  • Try browsing to find this offer: Get $200 after spending $500 plus get 5% cashback at gas stations during the first year on up to $6,000
  • Try browsing to find this offer: Get $200 after spending $500 plus get 5% cashback at grocery stores during the first year on up to $12,000
  • Try browsing to find this offer: Get $200 after spending $500
  • Get a $250 welcome bonus when you apply in the branch

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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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