I have 685 between the two scores on here. Got approved really quick but only a $500 limit. Oh well it's a start. I have a capital one with $6,500 and a delta rewards Amex with $1000 limit. This may be why it was so low but I also have 4 older derogatories. Trying to get my credit back in shape. Wish me luck.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 14.24% - 23.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 14.24% - 23.24%* 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
I have a 750 Fico score basically from paying off 2 auto loans. I opened up a banking account at a credit union and started to get flooded with credit cards letters. I decided on appying for this card after getting 2 pre-approvals. I have not had a credit card for over a decade so I applied with zero debt and was still not instantly approved but for good reason. I called recon and was told that I had 2 Chase charged off accounts from over 10 years ago. I told them those fell off my credit reports years ago and that I had a good score but they said "We go by your Chase credit history not by what is on your credit reports or score" Then they just wanted a reason why I fell behind on those accounts in the past and I told them because I was in the military. After waiting on hold for 5 minutes they said i would get a letter in the mail. 2 days later i called the status line and it said i was approved but not for how much. I waited 5 business days to get my card mailed which is when i found out it was only for $500. So there you have it. That explains why people with credit scores that are over 100-200 points lower are getting approved for thousands of dollars. Either they have a good Chase credit history or are berly starting a credit relationship with them.
BTW I also got pre approval offers in the mail from BofA and Discover who I have not had a credit relationship with in the past. If i would have applied for those cards I would have likely gotten a higher credit line. So for those of you out there with a not so perfect past with Chase they might still approve you but with a small limit like mines so you might want to go with the other offers. If i were to do it over again i would have applied for the other cards but I'm happy that Chase approved me despite the minimum credit line because it beats getting declined.
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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 and typical low score to the 5th 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 2014 through November 2014. 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.