Chase Freedom Unlimited credit card is a no-annual-fee cash-back card built for everyday spending.
Rewards post as cash back (Ultimate Rewards® points redeemable for cash), making it low-maintenance for people who want value without tracking rotating categories.
Rewards terms are defined in the card’s rewards program documents provided at approval.
Current APRs, Intro Offer, and Fees (Read This Before You Apply)
Chase lists an intro 0% APR for 15 months from account opening on purchases and balance transfers.
After the intro window, your variable APR depends on creditworthiness and the Prime Rate; a range from 18.74% to 29.99% variable APR.
There is no annual fee.
Balance transfer fees
For transfers made in the first 60 days, the intro transfer fee is the greater of $5 or 3% of the amount each transfer.
After that, the fee typically becomes the greater of $5 or 5%. Not every account is eligible for transfers; check your offer.
Other common fees (typical for the product family)
Cash advance fee: greater of $10 or 5% of the amount.
Foreign transaction fee: up to 3% (some Chase cards are 0%; check your card’s disclosures).
Late/returned payment fee: up to $40.
Key Benefits at a Glance
Its value proposition is simple. A flat base rate on everything you buy, plus elevated earnings in select categories.
The card earns 1.5% back on most purchases, 3% on dining, 3% at drugstores, and 5% on travel purchased through Chase Travel.
Rewards are tracked under the card’s Rewards Program Agreement, which explains how the 1.5% base rate stacks with the bonus rates.
Also typically includes Purchase Protection, Extended Warranty, Auto Rental Collision Damage Waiver, and Trip Cancellation/Interruption.
How to Apply For Chase Freedom Unlimited Credit Card
Chase doesn’t publish a hard minimum credit score; Freedom Unlimited generally targets applicants with good to excellent credit.
Chase may also consider your relationship with the bank, income, debt levels, and recent new-account activity.
Your approval, credit line, and APR are individualized.
- Go to Chase’s official product page for Freedom Unlimited. Review the current intro APR, APR range, fees, and any new-cardmember bonus.
- Consider pre-approval (optional). If available, it can reduce guesswork, but it is not a guarantee of approval.
- Complete the application. Provide legal name, address, SSN/ITIN, income, employment, and housing details. You can register as a bank user to speed up the process, or apply as a guest.
- Review Pricing & Terms. This document contains your personalized APR ranges, fees, promo details, and key disclosures. Save or print a copy.
- Submit and track your status. You may receive an instant decision, a request for more information, or a decision by mail. If approved, you’ll get your Cardmember Agreement and Guide to Benefits.
Smart Ways to Use Chase Freedom Unlimited Credit Card
If you’ll carry a balance during the 0% intro APR window, map out monthly payments so your balance is $0 before month 16.
Direct dining, drugstore, and Chase-booked travel to this card to harvest the higher earn rates; use it as your “catch-all” for other purchases at 1.5%.
Add the ≥$5 or 3% transfer fee (first 60 days) to your payoff plan and finish within the promo window. After 60 days, the fee typically rises to ≥$5 or 5%.
Set up automatic payments (full statement balance is ideal) and due-date alerts to avoid interest and late fees.
Bank Phone and Help Channels
Sign in to Chase.com or the Chase Mobile® app and use the “Pay card” flow to schedule one-time or recurring payments.
By mail (standard): Cardmember Services P.O. Box 6294 Carol Stream, IL 60197-6294
By overnight mail: Chase Card Services 201 N. Walnut Street, DE1-0153 Wilmington, DE 19801
Chase Credit Card Customer Service (U.S.): 1-800-432-3117 (lost/stolen, account questions, payments, and general support).
Freedom Unlimited vs. Freedom Flex (Quick Context)
If you enjoy activating quarterly rotating 5% categories and optimizing them, Chase Freedom Flex may suit you better.
If you want consistent earnings with minimal maintenance, Freedom Unlimited is the simpler choice with a steady 1.5% base earn rate plus fixed bonuses.
You can compare both on Chase’s product comparison materials and choose based on your spending habits.
Other Options
Here’s a quick side-by-side of Chase Freedom Unlimited credit card vs other popular Chase cards.
| Card | Annual fee | Rewards headline | Travel via Chase | Other notable categories/perks |
|---|---|---|---|---|
| Freedom Unlimited® | $0 | 1.5% back on most purchases; 3% dining (incl. takeout/eligible delivery) and 3% drugstores. | 5% on travel purchased through Chase Travel. | Simple, always-on rates; no activation. |
| Freedom Flex℠ | $0 | 1% back base rate. | 5% on travel through Chase Travel. | 5% rotating quarterly categories (on up to $1,500/quarter, activation required); 3% dining, 3% drugstores. |
| Sapphire Preferred® | $95 annual fee. | 3x dining; 3x online groceries (excl. Target/Walmart/wholesale clubs); 3x select streaming; 2x other travel. | 5x on Chase Travel bookings (excl. hotel purchases used for the $50 hotel credit). | 10% anniversary points bonus; $50 annual Chase Travel hotel credit (terms apply). |
| Sapphire Reserve® | $795 annual fee. | 3x dining (plus dining credits/promos vary over time). | 8x on Chase Travel bookings; 4x when booking flights/hotels direct (per current benefits). | Premium travel perks (e.g., credits, elevated earn rates, benefit suite detailed on Reserve page). |
If you travel regularly and want to concentrate points, Sapphire cards add higher multipliers and travel benefits.
Preferred keeps the fee low, while Reserve adds premium credits and top travel earn rates.
Conclusion
The Chase Freedom Unlimited credit card pairs a straightforward 1.5% base earn rate with 3% dining, 3% drugstores, and 5% Chase-booked travel.
The 15-month 0% intro APR can be useful for a planned purchase or balance transfer—provided you have a payoff plan and account for transfer fees.
If you want consistent, low-maintenance cash back with strong everyday categories, this card is a compelling fit.
Disclaimer: All rates, fees, promotions, addresses, and benefits noted here reflect Chase’s own published materials and are subject to change at any time. Always review the Pricing & Terms, Cardmember Agreement, and Guide to Benefits presented to you at application/approval to confirm your exact APRs, fees, mailing details, and coverage.
