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Chase Freedom Unlimited®
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Score Needed: Good to Excellent
Chase Freedom Unlimited®
At a glance
Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

Limited Time Offer
New Offer
All time high
Rewards

3% on drugstore purchases

5% cash back on Lyft rides through March 31, 2025

3% on dining at restaurants, including takeout and eligible delivery services

5% cash back on Lyft rides through March 31, 2025

3% on drugstore purchases

3% on dining at restaurants, including takeout and eligible delivery services

2X
Points on other purchases
Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfer Intro
0% Intro APR on Balance Transfers for 15 months
Regular APR
20.49% - 29.24% Variable
Annual Fee
$0
Chase Freedom Unlimited®

The Chase Freedom Unlimited® card offers peace of mind with travel and emergency assistance, plus purchase and rental protection. Enjoy 5% cash back on Lyft, travel booked through Chase Travel℠, 3% on dining and drugstores, and 1.5% on other purchases. Benefit from zero liability protection and 24/7 fraud monitoring, making it a secure, rewarding choice for everyday use.

Application Tips
Get the best results with each application

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms

Auto CDW Insurance

Credits

Extended Warranty

Purchase Protection

Trip Cancellation Insurance

Travel Medical Insurance

Purchase Protection

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation Insurance

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Trip Cancellation Insurance

Trip Cancellation Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Travel Medical Insurance

Travel and Emergency Assistance

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Credits

Instacart+ Benefit

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Credits

DoorDash

Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.

Auto CDW Insurance

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

Miscellaneous Benefits

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Credits

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption

If you only have the Freedom Unlimited Card, you can’t transfer your points to any partners.

But if you also have the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can transfer your points to one of these cards and then transfer your points to any of the Chase Travel℠ Partners.

Transfer your Cash to any of the following Chase Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
0% Intro APR on Balance Transfers for 15 months
Balance transfer Fee
Balance transfer Terms

The intro balance transfer fee on transfers made within the first 60 days of account opening is either $5 or 3%, whichever is greater. After that, the fee is $5 or 5%, whichever is greater.

Transfer Limit: You cannot transfer balances from other credit cards issued by Chase Bank

Cap: Balance transfers are capped at $15,000 (each month) even if your credit limit is higher

Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer

Foreign Transactions
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Why We Like it

The Chase Freedom Unlimited® card is an excellent choice for those seeking a versatile credit card with valuable perks:

  1. Peace of Mind on the Go: Travel and Emergency Assistance, Trip Cancellation and Interruption Insurance, and Auto Rental Collision Damage Waiver.
  2. Shop with Confidence: Zero Liability Protection, Purchase Protection, and Extended Warranty Protection.
  3. Everyday Benefits: 5% cash back on Lyft rides, plus benefits with partners like Instacart+ and DoorDash.
  4. Stay Secure: 24/7 fraud monitoring for enhanced financial security.

The Chase Freedom Unlimited® enhances your daily life with security and savings on travel, shopping, and more.

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Considerations

Looking for a credit card with robust rewards? While the Chase Freedom Unlimited® offers plenty of benefits, here are a few drawbacks to consider:

  1. Foreign Transaction Fees: Fees on purchases made abroad.
  2. Potentially High APR: Higher interest rates depending on your creditworthiness.
  3. Limited Bonus Categories: Lower cash back rate on everyday non-bonus spending.
  4. Requires Good Credit: Needs a solid credit history to qualify.
  5. No Significant Travel Perks: Lacks extensive travel benefits like free airport lounge access.

Consider these points to ensure the Chase Freedom Unlimited® card aligns with your financial needs and spending habits.

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More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?
No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.
What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?
You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.
I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?
For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.
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