Chase Freedom Unlimited® Reviews

Chase Freedom Unlimited® Reviews
3.6 out of 5 stars
132 Reviews

From Cardholders in the last year


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

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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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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1 Reply
Jan 10, 2020

3% is intro rate, 5% after.

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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Dec 18, 2019

Doesn’t seem dishonest you got marketing materiel in the mail. You already opened a credit card under another promotion. How is that dishonest ?

Dec 29, 2019

It's not shady. It's like buying something on Monday for 100 and a day later the price is 50 and you go back asking them to give you the promotional price. Lol

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?

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Chase Freedom Unlimited® Reviews

Chase Freedom Unlimited®