- 1 Chase Freedom Unlimited Credit Card
- 2 Chase Freedom Unlimited Review
- 2.1 Pros
- 2.2 cons
- 2.3 Other Key Features
- 2.3.1 Large signup bonus
- 2.3.2 High overall reward rate
- 2.3.3 Flexible payment options
- 2.3.4 Maximize your Chase Ultimate Rewards points
- 2.3.5 Good travel and purchasing advantages
- 2.3.6 Why did you take the Chase Freedom Unlimited card?
- 2.3.7 How to use Chase Freedom Unlimited card
Chase Freedom Unlimited Credit Card
The Chase Freedom Unlimited Credit card offers a good sign-up bonus and a 1.5% back-up rate for overall purchases for cardholders who want to keep things simple. It’s also a great starting card to collect the Chase Ultimate Awards.
150 $ 500 after spending $ 500 on your first 3 months of shopping
1.5% Unlimited% on every purchase
1.5 money back – automatic!
- From the opening of accounts and balance transfers, the input APR was 15% for 15 months, then 16,99-25,74% of the variable APR. Balance transfer fee, 5% of transferred amount, minimum $ 5
- Unlimited 1.5% cash refund on every purchase – automatic
- Earn a $ 150 Bonus after a $ 500 purchase in the first 3 months of opening the account
- No minimum amount available for refund
- Cash Back rewards do not end as long as your account is open
- Free Credit Score updated weekly with Credit Journey
- No annual fees
- 0% Login APR
- Janitorial service
- Extended Warranty Program
- Mobile Payment Ready
- No annual fees
- Purchasing Protection
- Travel Accident Insurance
- Visa Signature
- Zero Fraud Responsibility
Chase Freedom Unlimited Review
Payments do not expire
No cash back limit
Use any amount at any time
Use for gift cards, travel or Amazon.com products
Transfer Rewards to other Chase cards as Ultimate Rewards points
No bonus categories
Other Key Features
Car rental insurance, roadside assistance, price protection, extended warranty, travel cancellation and deduction insurance, lost baggage refund
The recent release of the Chase Freedom Unlimited card is part of some recent updates to the excellent line of Chase’s Ultimate Rewards cards. Chase’s Sapphire Preferred card for award card enthusiasts and the original Chase Freedom bonus category cash-back card have long been a worthwhile pair. Because Ultimate Rewards points can be transferred between cards, cardholders can use the 5 percent bonus categories on the Freedom card to add extra points to their Sapphire Preferred cards.
The Freedom Unlimited card adds another option that does not require Sapphire Preferred or the new Chase Reserve to merge and activate bonus categories.
Freedom Unlimited offers a big $ 150 registration bonus and a 1.5 percent overall prize – a better and easier reward rate than the Freedom card can be managed better and better than the revolving bonus categories.
In short, Chase Freedom Unlimited has to have both a large general cash return card and the Ultimate Rewards family.
Large signup bonus
Chase Freedom Unlimited offers a nice $ 150 registration bonus if you keep at least $ 500 in the first three months of card ownership. This is one of the major bonuses available with cash return cards and takes a relatively low spending amount to win the prize.
High overall reward rate
The Chase Freedom Unlimited card comes with a fixed rate of 1.5 percent of all cards, exceeding 1 percent of the standard offered by most cards.
A flat-rate card also has advantages and disadvantages. Cardholders who do not want to follow spending categories and spending limits may prefer the simplicity of the card. However, with bonus categories, there is a possibility of winning more cash prizes. There are several cards on the market that can offer you a better payback rate of 1.5 percent in the bonuses they offer in categories such as grocery and gas station purchases. You can also use these cards with a fixed rate card to maximize your prize money.
We should also note that there are several fixed rate cards with a ratio of 2 percent. Even if you mark the factor associated with the large sign-up bonus that came with the Chase Freedom Unlimited card, a 2 percent cash-back card can give you more cash in the long term.
Flexible payment options
Using your cash payments with the Freedom Limitless card is just as perfect as getting them. Chase allows you to use any amount at any time and allows you to have various redemption options – a description credit, most control and savings account or as a deposit for gift cards, travel and products on Amazon.com.
Maximize your Chase Ultimate Rewards points
The Ultimate Rewards earned on the Freedom Unlimited card can be transferred to other Chase cards, including Sapphire Preferred and the new Sapphire Reserve card. This is where the card is worth the most.
The cash repayment is rated at 1 cents per point, while Chase Ultimate Rewards points are as high as 1.5 cents per point and are transferred to many airline partners in a 1: 1 ratio. If you take into account the high value of the Ultimate Rewards points, the Freedom Unlimited card comes before almost all other cash repayment cards on the market.
In addition, cardholders who have more than one Chase Ultimate Rewards card can combine the 1.5 percent rate they earned over general expenses on a 2 to 3 percent Freedom Unlimited card earned from Chase Sapphire cards for travel and dining. Win in rotating categories on the Chase Freedom card to earn more Ultimate Rewards points.
Good travel and purchasing advantages
Freedom Unlimited comes with a robust feature list for a cash return card. Traveling card holders will benefit from car rental insurance, travel cancellation and deduction insurance and lost baggage refund. The card also offers purchase protections, including extended warranty, price protection and return protection.
On the down side, Chase Freedom Unlimited charges an external transaction fee of 3 percent. If you are looking for a card for international travel, consider adding one of Chase’s Premium Travel Cards (for example, Sapphire Preferred or Reserve) to your wallet.
Why did you take the Chase Freedom Unlimited card?
- You want a cashback card with a big signup bonus.
- 1% of your normal purchases
- You prefer a low-maintenance prize card that does not include specific categories to register or follow.
- You prefer to keep all your expenses on a single card.
- You prefer to buy back the money on travel rewards.
- You want to spend a lot on a card without reaching a limit in your awards.
- You are looking for a cash-back card with valuable travel and purchasing advantages.
- To earn extra points on purchases not covered in the bonus categories on other cards, you want to map this fixed rate card to other Chase Ultimate Rewards cards.
How to use Chase Freedom Unlimited card
- Earn at least $ 500 in the first three months and earn a $ 150 registration bonus.
- Use Chase Freedom Unlimited as your main board for all your overall purchases.
- Combine this card with a Sapphire card or original Freedom card to maximize your Ultimate Rewards points.
- For additional suggestions, see a balance transfer guide to your Chase card.