Chase Freedom Unlimited: Rewards & Costs
Review the cash back rates, introductory APR, current fees and application process before deciding whether to apply.
The Chase Freedom Unlimited® combines everyday cash back with higher reward rates in selected categories. Cardholders earn 1.5% cash back on all other eligible purchases without activating rotating categories.
The card also earns 3% cash back on dining and drugstore purchases and 5% on travel purchased through Chase Travel℠. It currently has no annual fee.
New cardmembers can currently earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening. The card also includes a 0% introductory APR period on purchases and balance transfers.
Advantages of Chase Freedom Unlimited®
Chase Freedom Unlimited® combines cash back on everyday purchases with higher rates in selected categories. It also has no annual fee and currently includes an introductory APR offer.
- Unlimited 1.5% cash back: Earn this rate on all other eligible purchases without activating rotating categories.
- Higher cash back rates: Earn 3% on dining and drugstores and 5% on travel purchased through Chase Travel℠.
- No annual fee: Keep the card without paying a yearly membership charge.
- 0% introductory APR: Available for 15 months from account opening on purchases and balance transfers.
Disadvantages of Chase Freedom Unlimited®
The highest reward rates apply only to selected categories, and the introductory APR does not last indefinitely. Certain transactions may also involve additional fees.
- Base rate outside bonus categories: Other eligible purchases generally earn 1.5% cash back rather than the higher category rates.
- Regular APR after the promotion: After the introductory period, a variable APR of 18.24%–27.74% currently applies.
- Additional transaction fees: Balance transfer fees apply, so review the current pricing and terms before using this feature.
How to Apply for Chase Freedom Unlimited®
You can apply through the official Chase website. Before starting, review the current rewards, APRs and fees and prepare your personal and financial information. All applications are subject to credit evaluation.
- Visit the official Chase website and find Chase Freedom Unlimited®.
- Review the current offer, including rewards, APRs, fees and applicable conditions.
- Start the online application for Chase Freedom Unlimited®.
- Enter your personal and financial details in the required fields.
- Review your information and submit the application.
- Wait for Chase's decision or any additional instructions.
Is Chase Freedom Unlimited® Right for Your Plans?
Chase Freedom Unlimited® offers 1.5% cash back on other eligible purchases, plus higher rates on dining, drugstores and travel purchased through Chase Travel℠. It also has no annual fee.
Before applying, compare the rewards with your spending habits and review the APR and applicable fees. The introductory APR is temporary, and rates, fees and offers can change. Approval is not guaranteed.
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