Chase Freedom Unlimited®

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  • 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.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. 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:
17.24 - 25.99%*
Variable
Balance Transfer Intro APR:
0%* intro
(15 Months)
Balance Transfer Regular APR:
17.24 - 25.99%*
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 27.24%* 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

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
Chargers4life96
Got it!
by Chargers4life96
Helpful to 112 out of 112

CK said I have fair odds but applied anyway.   Result said they need to review more so I figured oh well and it did hit my score by 3 right away.  I have the Sapphire with 8k limit and kept balance really low.  Signed on my phone to make my payment and noticed I have the Freedom Unlimited underneath my Sapphire.  I was excited to see that I was approved for $6100.  Called costumer service to make sure and verify that it’s not a mistake and they said yes it was approved.  So with my odds of just fair I think Chase consider your other accounts with them maybe and if you’re in good standing maybe they base it on that as well.   My payment history is at 100%.  CS is 690 at the moment but I just started building my credit for about 3 years now.   So happy to say I’m excited to have this card and will take advantage of that 15 months 0% APR.  

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 1192 out of 1249

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 October 2018 through March 2019. 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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