Chase Freedom Unlimited®
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Chase Freedom Unlimited®
Ditch the wallet full of plastic and unlock effortless rewards with the Chase Freedom Unlimited® card. Our experts have reviewed hundreds of credit cards and have declared this a top pick for a one card wallet.
Here's why:
So what can all of this lead to? In your first year alone, you could earn a whopping $845 or more in cash back with this card! See how to do that below.
This bonus offer is available through The Ascent and is not guaranteed if you apply elsewhere. If this card has caught your eye, seize the opportunity and use this link to apply today.
Great for: Massive cash back rewards
On Chase's Secure Website.
Intro Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Intro APR 0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
Rewards Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Annual Fee N/A
Welcome Offer Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
0% intro APR for 15 months for purchases -- On top of the high cash back rate, this card also features a very competitive 0% intro APR offer. This can be a smart way to finance large purchases, or simply if you find yourself in a temporary bind and want to avoid interest until 2025.
0% intro APR for balance transfers -- The same length 0% intro APR for 15 months applies for balance transfers. If you have credit card debt, you can transfer it to this card to avoid interest charges for well over a year on that transferred balance.
Unlimited 1.5% to 5% cash back -- At a minimum, you’ll earn unlimited 1.5% cash back on purchases. Earn unlimited 3% on dining (including takeout and eligible delivery services) & drugstores, and unlimited 5% on travel purchased through Chase Travel. Using the cash back bonus below, that’s like earning unlimited 3% - 6.5% cash back in the first year!
Bonus cash back in the first year -- Our favorite perk of the card. You can earn an extra 1.5% on every purchase, up to $20,000 in the first year. That's up to $300 in additional cash back.
$0 annual fee -- Credit cards packed with valuable features tend to charge a high annual fee, but not this card.
You'll be hard-pressed to find a no-annual-fee cash-back card that offers as much first-year value as this card. That's because of the combination of the card's lucrative cash back rates, the extra 1.5% cash back offer in your first year, a long list of secondary perks, and cutting fees. Here's an example of how the value adds up based on the average American budget*:
These two categories alone would total $845.03. That total doesn't include unlimited 6.5% on travel purchased through Chase Travel in the first year, so this value could be significantly more for some cardholders.
Although this no-annual-fee cash back card offer is special on its own, you can maximize your points earned if you pair it with the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. You can transfer your points among Chase Ultimate Rewards® accounts, which gives you the chance to increase the worth of each point.
Even if you made your purchases with Chase Freedom Unlimited®, if you transfer them and redeem them for travel booked through Chase Ultimate Rewards, the points are worth more with the Chase Sapphire Preferred® Card and even more with Chase Sapphire Reserve®.
It’s easy to see why our experts rate this card so highly, with its lucrative cash back, lengthy 0% intro APR period, and innovative sign-up bonus. Add in the fact that you can get this all for no annual fee, and it becomes a no-brainer for many consumers.
The Chase Freedom Unlimited® is designed for people with good credit and better, with a FICO® Score of at least 670. The card will be hard to get with a much lower credit score.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Average American budget per https://www.fool.com/the-ascent/research/average-monthly-expenses/