Chase Freedom Unlimited

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welcome offer

Earn $200 after $500 spent within the first 3 months. Intro 0% APR for 15 months on purchases.

Bonus Cash Value

Approximately $200*

Annual Fee

$0

Card Rewards

5% cashback on Lyft Rides

5% cashback on travel purchased through Chase ultimate rewards, including airline tickets, hotels car rentals, activities and cruises

3% cashback at restaurants, including takeout and delivery

3% cashback at drugstores

1.5% 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
  • Fair Credit ok if you have a already have an existing Chase bank account
  • Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • If you have any Chase Freedom card currently open (Freedom, Freedom 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
  • 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
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
  • If your card is approved for $5,000 or more the benefits will also include Trip Cancellation / Interruption insurance
  • Receive a free DoorDash DashPass benefit for 3 months and a 50% discount for the next nine months membership. With DashPass you will receive free delivery on orders of $12.00 or more by many DoorDash participating restaurants
  • Travel and emergency assistance insurance
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardChase Freedom UnlimitedChase Freedom Flex
Welcome BonusEarn $200 after $500 spent within the first 3 months. Intro 0% APR for 15 months on purchases.Earn $200 after $500 spent within the first 3 months. Intro 0% APR for 15 months on purchases.
Annual Fee$0$0
Rewards- 5% cashback on Lyft Rides - 5% cashback on travel purchased through Chase ultimate rewards, including airline tickets, hotels car rentals, activities and cruises - 3% cashback at restaurants, including takeout and delivery - 3% cashback at drugstores - 1.5% on all other purchases- 5% cashback at rotating categories on up to $1,500 combined purchases - 5% cashback on Lyft Rides - 5% cashback on travel purchased through Chase ultimate rewards, including airline tickets, hotels car rentals, activities and cruises - 3% cashback at restaurants, including takeout and delivery - 3% cashback at drugstores - 1% cashback on everything else
No Foreign Transaction Fee3%3%
Trip Cancellation InsuranceCoverage 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 (Visa Signature cardholders only).
Auto Rental Collision InsuranceSecondary coverage on rentals up to 31 days within your country of residence. Primary coverage for rentals when renting outside of your country of residence.
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.
Cell Phone ProtectionPay your monthly cell phone bill with this card and be covered in case your phone is stolen, or damaged. (There is a $50 deductible on each claim. Max $800 per claim, $1,000 per year. Limit 2 claims per year).
Purchase ProtectionGet refunded if your purchase is damaged, or stolen for up to 120 days from the date of purchase. Max $10,000 per claim $50,000 per year.
Authorized User Fee$0$0
Roadside AssitanceChase 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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