Chase Freedom Unlimited

welcome offer

Earn $200 after $500 spent within the first 3 months. Plus, earn 5% cashback on grocery spent up to $12,000 in the first year. Intro 0% APR for 15 months on purchases.

Bonus Cash Value

Approximately $200*

Annual Fee

$0

Card Rewards

Earn 5% cashback on grocery spent up to $12,000 in the first year.

Earn 1.5% cashback on all purchases

Earn 5% cashback on Lyft Rides

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

The Chase Freedom Unlimited card has 0% APR for 15 months on purchases and balance transfers. 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
  • Fair Credit ok if you have a already have an existing Chase bank account
  • This card is under the  Chase 5/24 rule
  • You can only get approved for up to 2 Chase Credit Cards in 30 days (Business Cards and Personal cards are counted separately)
  • You cannot get approved for any Chase Freedom Product (Freedom or Freedom Unlimited) if you currently have any Chase Freedom Credit Card (Freedom or Freedom Unlimited)
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • If you get declined then you can call 1 888 609 7805 to be reconsidered
Balance Transfer Terms
  • Balance transfer Fee: 3% 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
  • No penalty APR
Card Details And Benefits
  • If your card is approved for $5,000 or more the benefits will also include Trip Cancellation / Interruption insurance
  • Auto Rental Collision Insurance
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardChase FreedomChase Freedom Unlimited
Welcome Bonus$200 bonus for spending $500 in the first three months 0% APR for 15 months on purchasesEarn $200 after $500 spent within the first 3 months. Plus, earn 5% cashback on grocery spent up to $12,000 in the first year. Intro 0% APR for 15 months on purchases.
Annual Fee$0$0
Rewards- Earn 5% cashback at rotating categories - Earn 5% cashback on Lyft Rides - Earn 1% cashback on everything else- Earn 5% cashback on grocery spent up to $12,000 in the first year. - Earn 1.5% cashback on all purchases - Earn 5% cashback on Lyft Rides
Trip Cancellation InsuranceUp to $1,500 per person per trip for a max of $6,000 per trip (Visa Signature cardholders only)Up to $1,500 per person per trip for a max of $6,000 per trip (Visa Signature cardholders only)
Auto Rental Collision InsuranceSecondary coverage on rentals up to 31 daysSecondary coverage on rentals up to 31 days
Extended Warranty ProtectionOne additional year (limit $10,000 each claim and $50,000 max per account)One additional year (limit $10,000 each claim and $50,000 max per account)
Purchase ProtectionLost and theft, up to 120 days. $500 per claim ($50,000 per account)Lost and theft, up to 120 days. $500 per claim ($50,000 per account)
Authorized User Fee$0$0
Road Side AssitanceChase will dispatch you assistance for free, but you will need to pay the service fee.Chase will dispatch you assistance for free, but you will need to pay the service fee.

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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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