Chase Freedom Unlimited®

Cardholders' Choice i
Cardholders' Choice i
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  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum. No Annual Fee
Annual Fee:
$0
Purchase Intro APR:
0%* intro
(15 Months)
Purchase Regular APR:
16.99% - 25.74%*
Variable
Balance Transfer Intro APR:
0%* intro
(15 Months)
Balance Transfer Regular APR:
16.99% - 25.74%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.99%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms*

Rewards

Welcome Bonus

Earn $150 after you spend $500 in the first 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
xsimplysheekx
My favorite card
by xsimplysheekx
Helpful to 585 out of 622

I applied for this card back in 2016 after Credit Karma said my approval odds were very good. I was approved for 1k my scores was around 620 or so. I used it generously and vigorously lol. 2017 they gave me a 1k increase. Now in January 2018 they gave me a 2k increase. I use this card a lot because of their cash back on ALL purchases and their ZERO $ annual fee is the icing on top! 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
CowboyNation26
Misleading
by CowboyNation26
Helpful to 277 out of 295

I applied for this card with the intentions to utilize the 0% balance transfer for 15 months option. However, what they do not tell you in the card descriptions; "you may be approved for card without having the balance transfer option". I was approved for $6400 without a balance transfer option; when I spoke with customer service they said that balance transfers are a promotional option, which I didn’t qualify for based on my credit worthiness. This doesn’t make much sense... giving the amount of credit line I was approved for and having a 680-700 credit score. Just be aware if you are applying for this card because you would like to use the balance transfer option, there's a great possibility you will not be allowed that option, even if approved. 

On the other hand, American express (no affiliation) approved me for a credit line, and the option for balance transfer is standard with approval (not promotional). 

 


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2018 through November 2018. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

 
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