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Chase Freedom Unlimited® Review: A Comprehensive Guide
February 6, 2025
What Is the Chase Freedom Unlimited®?
The Chase Freedom Unlimited® is a no-annual-fee credit card that offers a combination of flat-rate and category-based rewards. Issued by JPMorgan Chase Bank, this card operates on the Visa payment network and provides cardholders with multiple ways to earn Chase Ultimate Rewards® points, which can be redeemed for cash back, travel, or transferred to other Chase cards for potentially higher value.
Chase Freedom Unlimited® Pros & Cons
Pros:
- Generous earning structure with 1.5% unlimited cash back on regular purchases
- Additional bonus categories including 3% on dining and drugstore purchases
- Attractive sign-up bonus for new cardmembers
- 0% intro APR period for new purchases and balance transfers
- No annual fee
- Comprehensive purchase protection and extended warranty coverage
- Access to Chase Credit Journey for credit monitoring
Cons:
- 3% foreign transaction fees make it less ideal for international travel
- Requires good to excellent credit score
- Some competing cards offer higher flat-rate rewards
- Best value requires pairing with premium Chase cards
Who Is the Chase Freedom Unlimited® For?
The Chase Freedom Unlimited® is ideally suited for:
- Everyday spenders seeking consistent rewards without tracking rotating bonus categories
- Those new to credit card rewards who want a straightforward earning structure
- Chase customers looking to build a powerful rewards strategy
- People who want purchase protections and travel benefits without paying an annual fee
- Those who plan to pair it with premium Chase cards like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®
Comparing the Chase Freedom Unlimited® with Other Credit Cards
When considering the Chase Freedom Unlimited®, it's helpful to compare it with other popular options in the cashback credit card category:
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Chase Freedom Unlimited® excels in offering a combination of flat-rate and category-based rewards
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos
To maximize your rewards with the Chase Freedom Unlimited®, consider downloading Kudos, a free AI-powered shopping app.
Kudos can help you:
- Automatically identify when to use your Chase Freedom Unlimited® for maximum rewards
- Stack rewards during Flash Boost events
- Get personalized recommendations for complementary credit cards
- Currently offering $20 back after your first eligible purchase with code "GET20"
Our Expert Takeaway
The Chase Freedom Unlimited® stands out as a versatile no-annual-fee card that offers solid value for everyday spending. Its combination of flat-rate rewards and bonus categories, along with valuable Chase Ultimate Rewards® redemption options, makes it an excellent choice for both beginners and experienced credit card users.
Chase Freedom Unlimited® FAQ
What credit score do I need for the Chase Freedom Unlimited®?
A good to excellent credit score (670+) is typically required for approval.
Does the Chase Freedom Unlimited® have rental car insurance?
Yes, it provides auto rental collision damage waiver when you decline the rental company's coverage.
Can I transfer Chase Ultimate Rewards® points to travel partners?
Yes, but only when paired with a premium Chase card like the Sapphire Preferred® or Reserve®.
What purchase protections does the card offer?
The card includes extended warranty protection, purchase protection, and zero liability protection.
How does the DashPass benefit work?
Cardmembers get three months of free DashPass membership, followed by 50% off for the next nine months.
Are there any travel protections?
Yes, including trip cancellation insurance and travel and emergency assistance services.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
