Reviews

Chase Freedom Unlimited Review: A Comprehensive Look

Chase Freedom Unlimited: $0 annual fee, high rewards on travel, dining, and more, plus flexible redemptions.

Rickie C. Keys, Ph.D., MPH

Mar 17, 2024 — 1 min read

Features

Annual Fee: $0, making it accessible to many users.
APR: 20.49%-29.24% Variable APR, with a 0% intro APR on purchases and Balance Transfers for 15 months.
Recommended Credit Score: 690-850 (Good - Excellent).
Rewards:
- Intro Offer: Earn an additional 1.5% cash back on all purchases (up to $20,000 spent in the first year).
- Travel: 5% cash back on travel purchased through Chase Travel.
- Dining and Drugstores: 3% cash back.
- Lyft Services: 5% back on qualifying rides through March 31, 2025.
- All Other Purchases: 1.5% cash back, with no minimum redemption amount.

Benefits

No Annual Fee: Reduces cost for cardholders.
High Rewards Rate: Bonus categories and intro offer provide significant cash back opportunities.
Flexible Redemption Options: Cashback can be redeemed for statement credits, direct deposit, or through Chase's rewards program.
0% Intro APR: Offers financial flexibility by allowing new purchases and balance transfers without interest for 15 months.
Credit Health Tools: Free access to your credit score and monitoring services.

Product Summary

The Chase Freedom Unlimited® card stands out for its $0 annual fee and a versatile rewards program that offers an additional 1.5% cash back on everything you buy (up to $20,000) in the first year. Beyond the first year, it continues to reward users with 5% cash back on travel booked through Chase, 3% on dining and drugstore purchases, and 1.5% on all other purchases. The card's flexible redemption options and the intro APR offer make it a compelling choice for individuals seeking a simple yet effective cash-back credit card. With no annual fee and a broad APR range, it's designed for users with good to excellent credit scores, offering a mix of high rewards rates and financial flexibility.

Apply Now!

Insurance: Protecting Your Financial Future

Introduction Insurance is essential for protecting yourself and your family from unexpected financial burdens. This blog post will guide you through understanding different types of insurance and choosing the right policies and strategies to manage insurance costs effectively. By the end, you’ll have the knowledge to secure your financial

Identity Theft: Safeguarding Your Financial Future

Introduction Identity theft is a growing concern in our digital age, and protecting your personal information is essential to safeguarding your financial future. This blog post will guide you through best practices for protecting your identity, monitoring for identity theft, and recovering if your identity is stolen. By the end,

Home Ownership: A Journey to Financial Security

Introduction Owning a home is a significant financial milestone and a key component of financial security. This blog post will guide you through home-buying, managing home expenses, and exploring real estate investment opportunities. By the end, you’ll have the knowledge to make informed decisions about home ownership and build

Creating Wealth: Strategies for Long-Term Financial Success

Introduction Building wealth involves making informed investment decisions and understanding the long-term strategies that can lead to financial success. This blog post will guide you through different types of investments, the importance of risk and diversification, and key strategies for creating wealth. By the end, you’ll have the knowledge