The Chase Freedom Credit Card: Is it Right for You?

Many of today’s credit cards often have gimmicks that hook potential customers to use their cards. Unlike most credit cards, certain ones offer unlimited cash back so that they encourage cardholders to keep on using the card. One very good example of this is the Chase Freedom Unlimited credit card.

The Chase Freedom Unlimited credit card is a great all-around card that you should consider if you’re looking to gain cash back from dining, traveling, and even simply buying groceries at the store.


Check out more information about the card and see if it is right for you.

  • Unlock the Most Competitive Rates
  • Earning and Claiming Your Rewards
  • Shop Without Worries
  • How to be Eligible for the Card
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Unlock the Most Competitive Rates

When it comes to discussing credit cards, it is always the interest rates, introductory rates, and other fees that will take a lot of our attention.

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The Chase Freedom Unlimited credit card offers very competitive rates by providing you with a 0% introductory APR on purchases for the first 15 months.


The same goes for the balance transfer introductory APR. It will then revert to the variable regular APR of 19.24% to 27.99% after 15 months so be sure to have all of your bills completely paid at that time.

Cardholders are also expected to pay zero annual fees but will need to shoulder a foreign purchase transaction fee of 3% of each transaction in US dollars.

Check Out These Welcome Bonuses

Apart from the competitive rates, new cardholders of the Chase Freedom Unlimited credit card are also given a welcome bonus. You get to earn 1.5% cash back on everything that you buy for up to $20,000 in the first year.


This can be $300 worth of cash back if you are consistent with using the credit card for most of your purchases. Apart from that, you also get to earn a $200 bonus cash back after you spend $500 on any purchase that you make in the first 3 months since you open the account.

You also get 5% cash back on groceries for up to $12,000 spent during your first year which will give you roughly around $600 in cash back.

Earning and Claiming Your Rewards

Apart from earning cash-back rewards through grocery purchases, you also get to enjoy many other cash-back rewards with the Chase Freedom Unlimited credit card.

You get to earn 5% cash back when you use the card for any travel-related purchases through Chase Freedom Ultimate Rewards. Another 3% cash back is also rewarded to you if you use the card for dining and drugstore purchases.

Each purchase you make will also reward you with points. If you have enough points, you can redeem them for gift cards.

Try to link your Amazon account to your Chase Freedom Unlimited credit card to redeem your cash back through Amazon or you can use it to pay for your Amazon orders during checkout.

Travel Safely and Enjoy Your Vacation

Traveling safely is now achievable with the help of the Chase Freedom Unlimited credit card. You get reimbursed up to $1,500 per person if your trip is canceled or if you fell sick during your travel days.

Bad weather and other emergencies are also covered by this feature. You can also elevate your travels with the credit card as it gives you access to the Visa Signature Hotel Collection and selected Rental Car companies.

This will give you an outstanding discount on such services thus allowing you to save more money as you enjoy your vacation.

Shop Without Worries

Using the Chase Freedom Unlimited credit card has its perks especially when you’re shopping.

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The card offers purchase protection which covers any new purchase made from the card for 120 days against theft and damage.

The card covers up to $500 worth of purchases up to $50,000 per account.

This is highly valuable as it gives you the protection that you need especially when you’re shopping online.

Comparing Chase Freedom Unlimited with Chase Freedom Flex

While both Chase Freedom Unlimited and its counterpart the Chase Freedom Flex credit card offer almost the same rates and fees, both cards differ when it comes to their rewards and benefits.

Many of the features on both cards are very identical including travel, restaurant, and other rewards but what makes the Chase Freedom Unlimited credit card the best is its cash-back offer.

The Chase Freedom Unlimited credit card has unlimited cash back and offers 1.5% cash back on every purchase that you make while the Chase Freedom Flex only offers 5% cash back on rotating categories. You won’t be able to take full advantage of the cash-back feature of the card if they only come every quarter of the year.

How to be Eligible for the Card

With all of its amazing features, the Chase Freedom Unlimited credit card does come with some difficulties, especially for those who want to apply for the card.

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You need to have good to excellent credit scores to qualify for the card. The bank will require you to have a credit score of 690 and above for you to qualify for the card.

Aside from that, you need to be 18 years old and above and must have an income. The bank will also evaluate your employment as well as your financial capacity to pay.

To do this, you need to prepare documents that provide your gross annual income and many other requirements during your application.

How to Apply

You can then apply for the Chase Freedom Unlimited credit card if you are qualified. To start, simply fill out the application at the official Chase Bank website.

You will need to provide the necessary details regarding your identification as well as contact details like phone number and email address. Don’t forget to review the terms and conditions of the card before you submit your application.

If you have any other inquiries regarding your application, you can always call them at 1-800-432-3117 or mail them to Card Services P.O. Box 15298 Wilmington, DE 19850.


Cash back has always been one of the features that many credit card holders are looking for. If you’re looking for a credit card that has competitive rates but also lets you gain unlimited cash back, the Chase Freedom Unlimited credit card is the right one for you.

Disclaimer: All credit products carry risk. Be aware of these risks by reading the associated terms and conditions.