Chase Freedom Unlimited® Review

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Our Detailed Review of This Card

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Looking for a credit card that’ll earn you lots of cash back on every purchase? Chase Freedom Unlimited® is a great choice with its intro cash back offer, unlimited ongoing rewards and no annual fee.

To start, you’ll earn 3% cash back on all purchases in your first year up to $20,000 spent. After that, you’ll earn an unlimited 1.5% cash back on all purchases. With that 3% cash back offer, you could earn up to $600 cash back in your first year! Add to that a 15-month 0% intro APR period on purchases, and you can make any large (or small) purchases you need without paying a cent of interest for more than a year.

You can also take advantage of the card’s 15-month 0% intro APR on balance transfers to transfer balances from other high-APR cards onto Chase Freedom Unlimited® to save on interest. There is a balance transfer fee of 3% or $5 (whichever is greater), but that is fairly common.

Another great aspect of Chase Freedom Unlimited® is that the reward redemption options are extremely flexible — you can redeem your rewards for cash at any time, in any amount via an account statement credit or electronic deposit into a checking or savings account. Alternatively, you can use Chase’s Ultimate Rewards portal to redeem them for gift cards, travel, and products or services. You can even combine your rewards points with other Chase cards that have Ultimate Rewards, like Chase Sapphire Preferred® and Ink Business CashSM Credit Card. When you redeem your points for cash back, gift cards or travel, each point is worth $0.01 (i.e., 100 points equals $1 in redemption value).

Finally, as a Chase Freedom Unlimited® cardholder, you can also enjoy a host of Chase benefits. Check your credit score as often as you like without hurting your credit through Credit JourneySM. Rest easier knowing you have zero liability protection — you won’t be held responsible for unauthorized charges made with your card or account information. And you can purchase with a little extra security — purchase protection covers your new purchases for 120 days against damage or theft (up to $500 per claim, $50,000 maximum per account) and extended warranty increases the warranty period of U.S. manufacturers’ warranties by a year (on warranties of three years or less).

We highly recommend Chase Freedom Unlimited® for its intro 3% cash back offer, no-nonsense ongoing 1.5% cash back, 15-month 0% intro APR on purchases and balance transfers and its point redemption flexibility.

Rewards

  • Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Your cash back rewards don’t expire as long as your account is open.

Redeem Rewards

  • Redeem cash back any time for any amount.
  • Cash can be redeemed in the form of check, gift card, statement credit and more.

Fees and APR

  • Annual Fee: $0.
  • Purchase APR: 0% Intro APR on Purchases for 15 months, then 16.99% - 25.74% Variable.
  • Balance Transfer APR: 0% Intro APR on Balance Transfers for 15 months, then 16.99% - 25.74% Variable.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
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