Perfection in a card!
I started fixing my destroyed credit and got the Capital One secured card first. Once I had that card for a year I got my credit up to around 600. I kept usage below 30% and applied for this card and was approved with a $2500 limit. I use it for everything but I don't leave a balance, I have it on autopay but I also login every few days and pay it off so that I don't risk having my usage above 30% at any reporting time. I have received the introductory $150 for spending more than $500 within the first 3months and have been getting around $50 in cashback rewards each month, spending money paying bills and shopping for things that I would normally be shopping for. I have had no issues with this card so far and would highly recommend it if credit karma recommends it. They haven't steered me wrong yet.
First Credit Card, I don't regret it!!!
Great rewards, accepted everywhere, and if you already use Chase as your primary bank account this is a no-brainer. It's helping me build my credit and it's very easy to keep track of with it being connected directly to my online banking. Super impressed! Got approved with a 625 credit score with a $500 credit lmit.
Great rewards card for beginners
Chase offers some great credit cards as well as great customer service. I have this and the Chase Freedom card in my wallet(along with 5 others). From what I've heard chase likes to see at least two years of credit history before they hand out their rewards/cash back cards, so be weary of this before you jump head first into the credit game and wrack up multiple denials. They turned me down as a brand new service member with less than a year of credit history when I applied for their military rewards card(which was discontinued and converted for us into the chase unlimited). I instead was approved for the AFEES military star card which is a great credit building tool for young military members who are trying to build their credit responsibly.
After about two more years of building my credit I was accepted for the then military chase rewards card. The benefits are great as welll as the rewards. Please keep in mind that chase can be stingey with credit line increases. Amex and Comenity are the most generous from what I've seen so far. Chase use to give me a bump every few months but I have not received any for st least two years.
Also note that 1.5% unlimited points is pretty weak. There are a bunch of 2% rewards cards that can be easily found through google. The $150 introduced bonus is great and may not be available for a lot of the 2% cash back cards that are out there. My USAA cash back card (requires a monthly direct deposit of $1000 into my checking account to maintain stated cash back rate) is unlimited 2.5% points (this is pretty rare), although it did not come with any intro bonus. Bonuses come and go though so please keep this in mind. (I also use the 5% USAA cash back card which gives 5% off on all on base purchases up to a certain amount in spending. Heloooo commissary groceries and gas station)
If you are military please check out Amex as they wave all annual fees for active military. This means you can earn a slew of extra benefits as well as enjoy things like the blue cash preferred 6% cash back card while dodging the 100$ annual fee.
All in all the Chase unlimited is a great card with great benefits. However there are more powerful punching cash back cards(some with no intro bonus). I wouldn't personally recommend this card to a well established cash back pioneer but this is a great card for someone who is just starting out(as long as they have a loan or some sort of credit under their belt so they don't get denied)..
Were you bored? No one is reading that whole essay.
A wonderful all around card.
I have been rebuilding my credit after years of bad decisions. I had my score to about 675 with a couple of other minor cards, but got this card with a $2000 limit and I LOVE it! I have already brought my score to 725! I don't have to think about where I am shopping for the points, it's 1.5% everywhere, and there are lots of other ways to earn. If you are thinking about applying, please use my link. Earn a $150 bonus with Chase Freedom Unlimited. I can be rewarded too if you apply here and are approved for the card. Learn more.
https://www.referyourchasecard.com/18/4EHVRBQ1PR
Easy Process
Just applied with a 724 Fico (TU). Super easy process and was instantly approved for 9,000$ CL. I have a fairly high income, and have been banking with Chase for the last 5-8 years, so that may have affected the CL a bit. All in all the process was incredibly seamless and I am very satisfied.
Looking forward to continuing to build my credit profile with this card.
The process for applying was easy. Customer service was excellent, and helped me narrow down which Chase credit card would be best for my interest. This card is by far the best that I have used.
Excited to start using this card
Approved with 800 credit score and spending limit of 12k. Unbeatable way to earn points when combined with the Freedom and Sapphire Preferred.
Great card. No issues.
Wish I can lower my interest
Ask them to.
Cash back wirks great and simple
Good initial CL allocation and simple cash back earning
My ideal Card
I applied for this card in July. I originally started rebuilding my Credit over a process of 3 years using a secured card and personnel loans. After I got my score from 515 to 722Tu, 727EQ I decided it was time. I was instantly approved for a CL of 3k! I was very happy. The card arrived in about one week and I have no complaints about it since I started using it. The Cash back feature is great. They give yo the option to credit your account and lower your balance, redeem for gift cards or directly deposit it into your bank account, even if it's not with Chase. Customer service is good and friendly. I also highly recommend downloading the app, it's very user friendly and you don't even need to call customer service 90% of the time. I plan to keep this card and stay with Chase. This is my favorite card.
Be very careful!!!
I got this card cause of an amount of positive reviews.I got approved for 1000$credit limit,was using it with no problem,paying on time and so on.I got my 150$ bonus right away.Until 2 months later ,i made a payment on 9/2/2017 ,money will not apply to my card till 9/11/2017.Is this a joke?Though money were taken from my account same day.With same interest i would rather go with Capital One ,they have excelent customer service,payment applies next day.Sounds great ,but same scam like most of them!!!!!