Chase Freedom Unlimited® Reviews

Chase Freedom Unlimited® Reviews
Approval Odds

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3.7 out of 5 stars
148 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

3.5 5

Card Details

  • Balance Transfer Intro APR 0%* intro for 15 months
  • Balance Transfer Regular APR 16.49% - 25.24%* Variable
  • Annual Fee $0
  • Purchase Intro APR 0%* intro for 15 months
  • Purchase Regular APR 16.49% - 25.24%* Variable

Most Helpful Positive Review

Mar 23, 2019
Got it!
Chargers4life96 Cardholder

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.  

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Most Helpful Negative Review

May 08, 2019
Chase pulled my credit 2x for one app!
MustangBronco21 Cardholder

I applied for this card and Chase pulled my credit the day I applied and again on the next day. When I saw multiple hard inquiries on my credit report I called them. Since I am now their customer I expected to call them and they would correct the issue. WRONG. Not only were they unapologetic, they informed me that they have the right to do 3 HARD PULLS ON A SINGLE APPLICATION. Unless you are ok with the effect this could have on your credit score, I would recommend you DO NOT APPLY WITH CHASE!

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These reviews were written by current and former cardholders in the last year.

Dec 02, 2019
So far so good
Miguel8282 Cardholder

Im mostly writing this to correct something,  the balance transfer fee,  at least for myself, was 3%.  Not sure if that depends on the applicant or maybe its been changed.  But the credit karma data says 5%.

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Nov 25, 2019
Very Good Card!
connieweir1 Cardholder

This is a very reliable card I have had this card for years now and always helpful and nice customer service, it is my favorite go to card.

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Nov 16, 2019
The best card of all.
TomLe Cardholder

This is the only reward card that gave me a the highest credit limit, twice as much as other cards.

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1 Reply
Nov 17, 2019

Congrats on the card. Can you share range of your score and the Credit Limit that is given to you?
I am planning to get one. Thanks

Nov 16, 2019
Shady business practices
Lacy5175 Cardholder

I recently opened this card and am supposed to receive the $150 bonus for $500 spent in the first 3 months of account opening. Two weeks after opening the card, I receive an offer in the mail for a $200 bonus for $500 spent in the first 3 months. Naturally, I called chase visa and explained the situation and asked if I could receive the better bonus offer from the mail since I had just opened the card. They said no and that they could only honor what I was originally approved for. Interesting since I have never received any offers from them before in the past. This seems very dishonest and shady to me considering I just opened the card. Very unhappy with this new card and wish I would have went with another capital one card which has been much better. 

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Nov 15, 2019
Zz93 Cardholder

This is literally my favorite credit card ! I got approved for it when CK said poor chance and I was approved for a 900 dollar limit in July 2019 .... fast forward 4 months I got a limit increase today I make all my payments on time I pay it off within the month. Ok cause has a 5/24 rule but I applied for this card and 3 other cards in one day at the time so ! I say just go for it I stay earning points & when I make a year I'm gonna try to apply for the sapphire reserve ! 

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Nov 20, 2019

What was your score and credit utilization when you first applied?

Nov 15, 2019
LeviLambert Cardholder

Applied, approved for $3600, great. Card shows up really quick, then chase pulls my credit 2 more times, and then cancels card. Score dropped over 30 points from their BS. Horrible experience.

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Nov 17, 2019

there something you did that chase has not forgot or you where over the five twentyfour rule

Dec 05, 2019

Chase had a class action suit for illegal practices. They lost and will not forget the people who won.

Nov 15, 2019
Jorjik Cardholder

This card is ok,but the customer care is suck..

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Nov 14, 2019
Incomplete account documentation
cgchad Cardholder

I've had this card less than 1 month and already made a good size payment, and that's where the issue began.
What they don't tell you in any documentation is that they will show your balance as lowered by the payment amount, but if you look at your available credit it won't show the payment.

From what the customer service rep told me, they place all new accounts into a payment hold for the first 4 months. On my case nearly a week from payment date to phone call had lapsed and they said it would still be additional time before it cleared.

I ended up calling since I didn't know anything about this "payment hold" and to prove my payment has cleared they did a conference call with my bank, it was only after that that they released the hold..

They said that I would need to repeat that process over the next 4 months.. Other cards I have have never had more than a 2 business day hold.

I'm probably going to take a hit on my credit, but this account is getting closed, and probably before the first bill even is cut.

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Nov 15, 2019

thats a common procedure banks do when you make large payments from external bank accounts, i wouldnt close this card for that reason because you will see it happens elsewhere, atleast keep the card thru the promo apr 0 percent on purchases and balance transfers

Nov 15, 2019

I just don't understand why people want the money posted to their acc't immediately. I suppose if your living hand to mouth then you would need access to the money right away, but waiting for the payment to clear for a few days for 4 months doesn't' seem like a big problem to me. I have a couple other cards that aren't posted the same day or a couple of days. I'm not living on credit so it doesn't bother me.

Nov 16, 2019

Is this something new they started?.....have 3 cards with them and never recall having to wait more than 2-3 days for payment to clear.

Nov 05, 2019
Kaydee24 Cardholder

Was good as a credit card gets but Interest charges are ridiculous. 

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Nov 03, 2019
Great Card So Far
LA888 Cardholder

I got my card with a decent CL and needed help starting a account. The customer service lady was so patient with me and helpful. First impressions matter. Will update after I have had a while. 

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Nov 20, 2019

What was your credit score and utilization when you applied?

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Chase Freedom Unlimited® Reviews

Chase Freedom Unlimited®