Chase Freedom Unlimited® Card
Chase Freedom Unlimited®: no annual fee, cashback on dining, travel, and drugstores, plus a welcome bonus and 0% intro APR.
By: Zienic
Unlimited Cash Back
Earn a flat 1.5% cash back on every purchase, plus elevated rewards in select categories.
Bonus Categories
Enjoy higher cash back on dining, travel purchased through Chase Ultimate Rewards®, and drugstore purchases.
No Annual Fee
Keep more of your rewards with no annual cost to hold the card.
Introductory APR & Bonus Offer
Benefit from a 0% intro APR for a set period and a generous welcome bonus after meeting minimum spend.
A Closer Look at the Chase Freedom Unlimited® Card
The Chase Freedom Unlimited® Card blends simplicity and rewards in a way that appeals to a wide range of consumers. At its core, the card offers a straightforward 1.5% cash back on all purchases, ensuring that every dollar you spend is working for you. For those who dine out, travel, or shop at drugstores often, the card becomes even more appealing, offering boosted cash back rates in these categories when booked or purchased through Chase Ultimate Rewards®. Chase also enhances the value proposition with a compelling welcome bonus. New cardmembers who meet the required spending threshold within the first few months of account opening can enjoy a substantial cash back reward. Additionally, the 0% introductory APR on purchases and balance transfers for a set period provides breathing room for larger expenses or consolidating debt without immediate interest charges. With no annual fee, the Chase Freedom Unlimited® Card ensures that all rewards earned go directly into your pocket. Plus, as part of the Chase ecosystem, you can combine points with premium cards like the Chase Sapphire Preferred® to unlock even greater value for travel redemptions. For anyone looking for a flexible, everyday rewards card, this option is a strong contender.
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What credit score do I need to get approved for the Chase Freedom Unlimited® Card?
While there is no fixed cutoff, applicants with a good to excellent credit score (typically 670 or higher) have the best approval odds.
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Does the Chase Freedom Unlimited® Card have an annual fee?
No, there is no annual fee, making it easier to keep your rewards without added costs.
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Can I combine my rewards with other Chase cards?
Yes, if you hold premium cards like the Chase Sapphire Preferred® or Chase Sapphire Reserve®, you can pool points for higher-value travel redemptions.
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Is there a foreign transaction fee?
Yes, the card charges a foreign transaction fee, so it may not be the best choice for frequent international travelers.
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How does the introductory APR work?
New cardmembers can enjoy a 0% introductory APR on purchases and balance transfers for a set period, after which the regular APR applies.
How to Apply for the Chase Freedom Unlimited® Card
Applying for the Chase Freedom Unlimited® Card is a straightforward process that can be completed entirely online. Start by visiting the official Chase website and navigating to the Chase Freedom Unlimited® Card application page. You will be prompted to provide personal details such as your name, address, Social Security number, employment information, and income. Chase uses this information to evaluate your creditworthiness, so ensure everything is accurate. A good to excellent credit score is generally recommended for approval, though individual results may vary. If you already have a Chase online banking account, you can streamline the process by applying through your existing profile, which may pre-fill some details. Some applicants may receive instant approval, while others might need to wait a few days for further review. Before applying, it’s wise to check Chase’s 5/24 rule, which typically declines applicants who have opened five or more credit cards (from any issuer) in the past 24 months. Once approved, you’ll receive your card by mail within 7–10 business days. Activate it promptly to start enjoying the rewards and benefits immediately. Applying online also gives you the opportunity to review the current welcome bonus details, ensuring you take advantage of all available offers.