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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 15.99% - 24.74%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 15.99% - 24.74%* Variable
Chase Freedom UnlimitedSM offers great cash back rewards with no annual fee.
What to Like
With Chase Freedom UnlimitedSM, cardholders can earn unlimited 1.5% cash back on every single purchase, which is pretty cool. If you spend $500 on purchases in the first 3 months, you can also earn an additional $150 bonus. The rewards never expire as long as your account is open, there’s no annual fee and there’s also a 0% intro APR for 15 months on both purchases and balance transfers.
Look Out For
This card includes a 3% foreign transaction fee. Chase Freedom UnlimitedSM also doesn’t have 5% cash back in rotating categories, which is a feature of the standard Chase Freedom card.
Most Helpful Positive Review
Most Helpful Negative Review
This is a pretty generic card. I recieved a 0% APR promo, 1.5% cash back on purchases and sometimes they e-mail offers for additional cash back. Had difficultly redeeming additional cash back promos even though I met the requirements. They ended up refusing my 10% additional cash back for a hotel room even though I got an e-mail promising the extra points. They claimed that I already redeemed these points, which is not true since I haven't redeemed points since January and it is now May. The points should have posted in March. Poor customer service with little regard for keeping the customer around once approved.
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