You want a simple card with strong everyday rewards. The Chase Freedom Unlimited® credit card gives you cash back with no annual fee.
You also get an intro APR window. Read the terms before you apply.
What You Get From the Chase Freedom Unlimited® Credit Card
You earn 1.5% cash back on every purchase. You earn 5% on travel you buy through Chase Travel.
You earn 3% at restaurants, including eligible delivery. You earn 3% at drugstores.
There is no annual fee. Rewards do not expire while your account stays open.
How to redeem your cash back
You can redeem as a statement credit. You can redeem as a direct deposit to a linked bank account. You can use rewards in the Chase travel portal.
You can use rewards for gift cards or pay with points at select merchants. A statement credit or deposit is usually the simplest.
Travel portal redemptions can be convenient if you book through Chase.
Interest Rates and Key Fees (numbers you should know)
You often get 0% intro APR on purchases for 15 months. After that, a variable APR applies, typically in the ~18.74%–28.24% range.
The exact APR depends on your credit profile and the Prime Rate. Cash advance APR is higher and starts immediately.
Penalty APR can apply after serious delinquency. Balance transfers have a fee: usually $5 or 3% within the first 60 days, then $5 or 5% afterward.
Foreign transaction fee is commonly 3% in U.S. dollars. Late payment fees can be up to $40. There is no annual fee.
Plain-English take: the intro APR helps if you plan a large purchase. It also helps if you consolidate debt. The regular APR can be high. Plan to pay in full to avoid interest.
Using the intro APR wisely
Make a payoff plan before you buy. Divide your total by 15 months to set a monthly target. Automate that payment.
Avoid adding new purchases if you cannot clear them monthly. You do not want to mix new spending with a balance you carry.
New spending can start to accrue interest if you lose the grace period. Finish the payoff at least one statement before the promo ends.
Are You a Good Candidate?
You should have good to excellent credit. You should be comfortable with on-time payments.
You should want simple, broad rewards for everyday spending. You should not need a card with no foreign fees.
You should be ready to verify income and identity. You should accept a hard inquiry on your credit.
Who Should Consider a Different Card?
If you travel abroad often, consider a card with no foreign transaction fee.
If you want transferable points with peak value, you may prefer a premium card with transfer partners.
If you need 0% for longer than 15 months, compare cards with longer promos. If you want fixed rotating categories, look at cards with quarterly 5% categories.
If you do not pay in full, a low-APR product may be better than rewards.
How to Apply Today For the Chase Freedom Unlimited® Credit Card
Go to the official Chase product page for this card. Review the latest rates, fees, and reward categories.
Confirm the intro APR details and any welcome offer.
- Click Apply. Enter your full name, address, SSN or ITIN, and income. Provide employment details if requested. Consent to a credit check.
- Decide if you will request a balance transfer during the application. The early window usually offers the lower transfer fee. Have the other card’s account info ready.
- Review all disclosures before you submit. Read the Pricing & Terms and the Rewards Program Agreement. Make sure you understand the foreign fee and the late fee.
- Submit your application. Some approvals are instant. Others need manual review. If approved, you will receive a credit limit and your card in the mail.
- When your card arrives, activate it in the Chase Mobile app or by phone. Set up account alerts and autopay on day one.
Set up your account the right way
Turn on two-factor authentication. Create account alerts for purchases, due dates, and large transactions. Enroll in autopay for the statement balance.
That helps you avoid interest. Add the card to your digital wallet for safer in-store and online payments.
Review your spending categories each month. Track your statement credits and redemptions in the app.
Strengths and Limitations at a Glance
Strengths. No annual fee. Simple 1.5% on everything. Elevated 5% travel through Chase Travel.
Elevated 3% at restaurants and drugstores. Useful intro APR window. Strong mobile app and account tools.
Limitations. 3% foreign transaction fee. Regular APR can be high if you carry a balance. Balance transfer fee applies.
No fixed bonus categories; you can change. Travel bonus applies only through the portal.
Smart Habits For Long-term Value
Pay in full each month. Focus on spending where you earn 3% and 5%. Use the app to monitor categories.
Avoid cash advances. Keep utilization below 30% to protect your credit score. Request a credit line increase only when your income supports it.
Revisit your cards yearly to confirm fit.
Customer Support and Contact Details
The mobile app often resolves issues faster than phone queues. Use secure messaging for non-urgent questions.
Use the phone for fraud and urgent matters.
- Credit card customer service (U.S.): 1-800-432-3117.
- General personal banking: 1-800-935-9935.
- If your card is lost or stolen: call the credit card number above immediately.
- Payment mailing address (standard): Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294.
- Overnight payment address: Chase Card Services, 201 N. Walnut Street, DE1-0153, Wilmington, DE 19801.
- Corporate headquarters: JPMorgan Chase & Co., 383 Madison Avenue, New York, NY 10179. Main line: (212) 270-6000.
Conclusion
You can order your Chase Freedom Unlimited® credit card today in minutes. Check the current terms, confirm the intro APR, and review fees.
Set up autopay and alerts right after approval. Use the 3% and 5% categories to boost value. Avoid interest by paying in full.
If you need the intro APR, plan the payoff from day one. If anything is unclear, call the card support line before you apply.
Disclaimer: Rates, fees, and benefits change over time. The numbers listed here are common, but your exact APR, fees, and terms depend on your credit profile and the bank’s current disclosures. Always read the latest Pricing & Terms and your Cardmember Agreement before you submit your application and after approval. This article is informational and not financial advice.
