\n<\/p>\n
The Chase Freedom Unlimited\u00ae has everything you need in a beginner or everyday cash-back credit card, including a $0 annual fee, excellent intro APR offers, and an elevated 1.5% base earning rate.<\/p>\n
You can also turn the Freedom Unlimited into an everyday travel rewards earner by pairing it with one of Chase\u2019s travel card options, such as the Chase Sapphire Preferred\u00ae Card.<\/p>\n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
Welcome offer<\/p>\n
Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening<\/p>\n<\/li>\n
Introductory Purchases APR<\/p>\n
0% Intro APR on Purchases for 15 months<\/p>\n<\/li>\n
Ongoing Purchases APR<\/p>\n
18.24% – 27.74% Variable<\/p>\n<\/li>\n
Introductory Balance Transfer APR<\/p>\n
0% Intro APR on Balance Transfers for 15 months<\/p>\n<\/li>\n<\/ul>\n
Rewards rate<\/p>\n
Benefits<\/p>\n
Intro APR offer on purchases and balance transfers: <\/strong>You receive a generous introductory APR on purchases and balance transfers for the first 15 months from account opening. This means there’s no interest rate on applicable purchases or balance transfers during the promotional period.<\/p>\n<\/li>\n Multiple redemption options: <\/strong>You can redeem your rewards for cash back, travel, gift cards, and online purchases with some merchants, such as Amazon.<\/p>\n<\/li>\n Instant access: <\/strong>If approved for the Freedom Unlimited, you can use it the same day by adding it to a digital wallet, including Apple Pay, Google Pay, and Samsung Pay.<\/p>\n<\/li>\n Travel insurance: <\/strong>The Freedom Unlimited\u2019s travel coverage includes trip cancellation and interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.<\/p>\n<\/li>\n Purchase protection: <\/strong>Cardholders can take advantage of purchase and extended warranty protection benefits on eligible purchases.<\/p>\n<\/li>\n Fraud monitoring: <\/strong>Chase monitors your card activity 24\/7 and can alert you of any unauthorized charges.<\/p>\n<\/li>\n Credit Journey:<\/strong> Credit Journey gives you access to a free credit score and credit monitoring.<\/p>\n<\/li>\n Combine rewards: <\/strong>You can combine Chase points between eligible Chase credit cards, making it easier to rack up rewards.<\/p>\n<\/li>\n<\/ul>\n 5% cash back on travel purchased through Chase Travel<\/p>\n<\/li>\n 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services<\/p>\n<\/li>\n 1.5% cash back on all other eligible purchases.<\/p>\n<\/li>\n<\/ul>\n Earn $50 cash back for each friend who applies through your referral link and is approved for any participating Chase Freedom credit card. You can earn up to $500 cash back per year from referrals.<\/p>\n Cash back: <\/strong>Redeem rewards for a statement credit or a direct deposit into eligible U.S. checking and savings accounts. There\u2019s no minimum amount to redeem for cash back.<\/p>\n<\/li>\n Travel: <\/strong>Book flights, hotel stays, and more through the Chase Travel portal.<\/p>\n<\/li>\n Amazon: <\/strong>Link your Freedom Unlimited card to your Amazon.com account and redeem cash-back rewards to pay for part or all of eligible Amazon purchases at checkout.<\/p>\n<\/li>\n Gift cards: <\/strong>Use rewards to receive gift cards from various retailers.<\/p>\n<\/li>\n Combine points: <\/strong>You can combine points with other eligible Chase credit cards that earn Ultimate Rewards.<\/p>\n<\/li>\n<\/ul>\n Tip: <\/strong>Moving your Chase Freedom Unlimited rewards to a Chase Sapphire Preferred, Chase Sapphire Reserve\u00ae, or Ink Business Preferred\u00ae Credit Card* gives you access to additional Chase Travel redemption bonuses (up to 2x depending on the card) and the option to transfer points to travel partners, such as United MileagePlus and World of Hyatt.<\/p>\n *All information about the Ink Business Preferred Credit Card has been collected independently by and is no longer available through Yahoo Finance.<\/em><\/p>\n See also: <\/em><\/strong>Best travel credit cards for 2025<\/em><\/strong><\/p>\n We recommend the Chase Freedom Unlimited for rewards credit card beginners, Chase Ultimate Rewards enthusiasts, and anyone who wants a low-maintenance cash-back card for everyday spending.<\/p>\n The Freedom Unlimited is an excellent product on its own, providing elevated rewards and ample purchase protection perks without an annual fee. However, you can get even more value by using it with one or more other Chase cards that earn Ultimate Rewards points.<\/p>\n Using multiple rewards cards simultaneously lets you take advantage of different bonus categories. For example, one card might have a high cash-back rate for travel, while the other has a high rate for dining or gas stations. Using both cards together helps maximize your earning potential on all your eligible purchases rather than only those in select categories.<\/p>\n Base earning rate isn\u2019t as good as some flat-rate rewards cards or cards that earn 5% cash back in certain categories<\/p>\n<\/li>\n Typically requires good or excellent credit<\/p>\n<\/li>\n Has foreign transaction fees<\/p>\n<\/li>\n<\/ul>\n The Chase Freedom Unlimited is a Visa credit card (Chase is the credit card issuer), so it\u2019s accepted in over 200 countries and territories worldwide. However, the Freedom Unlimited charges 3% foreign transaction fees, so it\u2019s not the best card for international travel.<\/p>\n Here are the primary ways you can make a Chase credit card payment:<\/p>\n Online: <\/strong>Log into your online account on Chase.com or through the Chase Mobile app. You can make manual payments or set up automatic payments.<\/p>\n<\/li>\n Phone: <\/strong>To pay over the phone, call the number on the back of your card or 1-800-436-7958.<\/p>\n<\/li>\n Mail: <\/strong>For mail payments, send to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294. Send overnight payments to Chase Card Services, 201 N. Walnut Street, De1-0153, Wilmington, DE 19801.<\/p>\n<\/li>\n Western Union: <\/strong>Send Western Union payments using the Code City WALNUT.<\/p>\n<\/li>\n In-branch: <\/strong>You can make payments at Chase ATMs and branch locations if any are in your area.<\/p>\n<\/li>\n<\/ul>\n Here are the different ways you can contact Chase customer service:<\/p>\n Phone: <\/strong>Call the number on the back of your card or 1-800-432-3117.<\/p>\n<\/li>\n Secure message: <\/strong>You can send secure messages to Chase through your online account by logging in via a web browser or the Chase Mobile app.<\/p>\n<\/li>\n Social media: <\/strong>Message Chase on Facebook, Instagram, or X.<\/p>\n<\/li>\n In-branch: <\/strong>Speak with a customer service representative or meet with a banker at a Chase branch.<\/p>\n<\/li>\n<\/ul>\n If the Chase Freedom Unlimited Card isn\u2019t the right fit for you, consider these alternative cash-back credit cards:<\/p>\n Annual fee<\/p>\n $0 intro annual fee for the first year, then $95.<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $300 cash back after spending $3,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 12 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 12 months<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it: <\/strong>The Amex Blue Cash Preferred has a $0 intro annual fee for the first year, then $95 (see rates and fees, terms apply). Despite the annual cost, this is one of our favorite cash-back cards for everyday spending because of its high rewards rate. Few rewards cards reach a 5% return, but the Amex Blue Cash Preferred goes beyond that, providing an excellent opportunity to boost your earning potential on purchases you already make.<\/p>\n Read our full Amex Blue Cash Preferred Card review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n Purchase APR<\/p>\n 18.49% – 28.49% variable<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it: <\/strong>The Capital One Savor Cash Rewards has a $0 annual fee and no foreign transaction fees (which is uncommon for cash-back cards). It\u2019s also a powerhouse for earning cash back in everyday categories, including dining, entertainment, and groceries. If these are common spending categories for you, the Savor Cash Rewards deserves your consideration.<\/p>\n Read our full Capital One Savor Cash Rewards Credit Card review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn $200 cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back)<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on balance transfers for the first 18 months (variable APR applies after that)<\/p>\n<\/li>\n Purchase APR<\/p>\n See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Why we like it: <\/strong>The Citi Double Cash is an easy card to hang onto, especially if you want the simplicity of using one card for everything. There are no bonus categories to track and no special enrollment requirements. You earn up to 2% cash back on every eligible purchase, simple as that.<\/p>\n Read our full Citi Double Cash Card review<\/em><\/strong><\/p>\n You typically need a good or excellent credit score to qualify for the Chase Freedom Unlimited. If you\u2019re working on improving your credit, consider a secured credit card or a credit-building card.<\/p>\n Yes, the Chase Freedom Unlimited is an excellent credit card, especially if you prefer a simple no-annual-fee rewards card for everyday spending. It can help you build your relationship with Chase and provide access to high-quality card benefits, such as purchase protection, extended warranty coverage, and 0% introductory APR offers on purchases and balance transfers.<\/p>\n It isn\u2019t the best card for international travel because it charges foreign transaction fees.<\/p>\n The main disadvantages of Chase Freedom Unlimited are its 3% foreign transaction fee and an average 1.5% base cash-back rate. Because of the foreign transaction charges, it\u2019s not a great card for international travel. However, it\u2019s an easy card to use, and you can combine your rewards with other eligible Chase credit cards to get more value.<\/p>\n There\u2019s no official highest credit limit on the Chase Freedom Unlimited, as it depends on your creditworthiness and other factors Chase considers during the application process. The minimum credit limit for this card is typically $500, though you could get a much higher limit.<\/p>\n Yes, the Chase Freedom Unlimited charges foreign transaction fees. This makes it a poor choice for international travelers, though it\u2019s great for earning rewards on everyday spending. If you frequently travel to other countries, consider a credit card with no foreign transaction fees.<\/p>\n This article was edited by <\/em>Rebecca McCracken<\/em><\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n\n
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