Chase Freedom Unlimited®
Unlock Everyday Rewards with Zero Hassle
By: Guia Bancário
1.5% Cash Back on Every Purchase
Earn unlimited 1.5% cash back on all purchases—no categories to track or activate.
5% Cash Back on Travel Booked Through Chase
Enjoy an elevated 5% back when you book travel through Chase Ultimate Rewards®.
3% Cash Back on Dining and Drugstores
Earn enhanced rewards on popular everyday spending categories.
$200 Bonus After Qualifying Spend
Get a $200 bonus after spending $500 on purchases in the first 3 months from account opening.
Why the Chase Freedom Unlimited® Card Stands Out
The Chase Freedom Unlimited® card offers a refreshing combination of straightforward cashback rewards, strong introductory bonuses, and a suite of travel and purchase protections. It’s an ideal option for both first-time cardholders and savvy users who want consistent value without paying an annual fee. This card excels by offering a flat 1.5% cash back on every purchase, which eliminates the need for category tracking. However, cardholders can also enjoy higher rewards in strategic areas—like 5% on travel booked via Chase Ultimate Rewards® and 3% on dining and drugstore purchases—making it even more valuable. The $200 sign-up bonus is another standout feature, offering quick value with a relatively low spending threshold. Whether you're grabbing lunch, booking a trip, or picking up essentials, every swipe contributes to your rewards. Beyond cashback, Chase provides cardholders with useful perks like purchase protection, extended warranty coverage, and access to credit health monitoring tools—all of which add layers of security and value to your spending habits.-
What credit score do I need for the Chase Freedom Unlimited®?
You’ll typically need a good to excellent credit score (670 or above), though approval can also depend on your income and overall credit history.
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Does the Chase Freedom Unlimited® have an annual fee?
No, there is no annual fee, which makes it a great long-term choice for earning rewards.
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Can I use the cash back as statement credit?
Yes, Chase allows you to redeem your cash back as statement credits, direct deposits, or for travel and gift cards through Ultimate Rewards®.
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Is there a foreign transaction fee?
Yes, the Chase Freedom Unlimited® charges a 3% foreign transaction fee, so it’s not ideal for international travel.
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Can I pair it with another Chase card for more value?
Absolutely. When paired with cards like the Chase Sapphire Preferred® or Chase Sapphire Reserve®, you can transfer points and potentially increase their value through travel redemptions.
How to Apply for the Chase Freedom Unlimited® Credit Card
Getting the Chase Freedom Unlimited® is a simple and streamlined process, typically taking just a few minutes online. Before applying, ensure your credit score is in good standing—ideally in the good to excellent range (670+), as this card does favor applicants with solid credit histories. Start by visiting the official Chase website or navigating directly to the Chase Freedom Unlimited® application page. You'll need to provide standard personal and financial information, including your name, address, Social Security number, income details, and employment status. Applicants often receive a decision almost instantly. If approved, your card will arrive within 7 to 10 business days. Once you have it, setting up an online Chase account allows for easy management of payments, tracking rewards, and receiving personalized offers. If you’re not immediately approved, Chase may request additional information or suggest alternative cards. You can also contact their customer support to discuss your application status. For the best chance of approval, check your credit report for accuracy, reduce outstanding debt, and avoid applying for multiple credit products at once.