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

17 Mar 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.

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