13
Benefits4
Reward Categories5x
Max Reward20.5%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Travel | 5x | Cash Back | On travel purchased through Chase Travel℠ | No Cap | |
| Dining | 3x | Cash Back | On dining, including eligible takeout and delivery services | No Cap | |
| Drugstores | 3x | Cash Back | On drugstore purchases | No Cap | |
| All Other Purchases | 1.5x | Cash Back | On all other purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1.5x
Bonus Rate: 5x
Categories: 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on drugstore purchases
Quarterly Rotating: No
Expiration Policy: Your points don't expire as long as your account is open.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 13 Total
PENDINGPurchase Protection 2
Purchase Protection
Up to $500 per claim, up to $50,000 per accountCovers new purchases against damage or theft for 120 days from the purchase date. Applies to eligible items purchased with your card.
Extended Warranty Protection
Additional 1 year on eligible warrantiesExtends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
Rewards 5
Unlimited 1.5% Cash Back
1.5% cash backEarn unlimited 1.5% cash back on every purchase made with your card, with no annual fee.
3% Cash Back on Dining
3% cash backEarn 3% cash back on dining purchases, including takeout and eligible delivery services.
3% Cash Back on Drugstore Purchases
3% cash backEarn 3% cash back on purchases made at drugstores.
5% Cash Back on Travel through Chase Travel℠
5% cash backEarn 5% cash back on travel purchased through Chase Travel℠ (formerly Ultimate Rewards).
5% Cash Back on Lyft Rides
5% cash backEarn 5% cash back on Lyft rides through March 31, 2025.
Security 3
Zero Liability Protection
Protection against unauthorized chargesYou won't be held responsible for unauthorized charges made with your card or account information.
Fraud Monitoring
Proactive fraud detectionChase actively monitors for fraudulent activity on your account.
Account Alerts
Customizable account notificationsReceive alerts for unusual activity, payment reminders, and more.
Travel Assistance 1
Roadside Dispatch
Pay-per-use serviceCall for a tow, jumpstart, tire change, lockout service, or fuel delivery. Services are available 24/7 and are pay-per-use.
Travel Insurance 2
Trip Cancellation/Interruption Insurance
Up to $1,500 per person and $6,000 per tripIf your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Auto Rental Collision Damage Waiver
Coverage for damage or theft of rental carDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is secondary and provides reimbursement for damage due to collision or theft for most rental cars in the U.S. and abroad.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$200
Cash BackRequirement: Spend $500 in 90 days
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 20.49% - 29.24%
Balance Transfer APR: 20.49%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Chase Freedom Unlimited requires applicants to be 18+ years old, a US resident, possess a good-to-excellent credit score (typically FICO 670+), and adhere to the Chase 5/24 rule (cannot have opened 5 or more personal credit cards across any issuer in the past 24 months). The welcome bonus typically requires meeting a specified spending threshold within the first 3 months of account opening.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: The Chase 5/24 rule is the primary 'cliff effect,' preventing approval for the Chase Freedom Unlimited and most other Chase cards if 5 or more personal credit cards have been opened across any issuer in the past 24 months. This rule applies across the entire Chase portfolio, not just the Freedom family, impacting eligibility for future Chase products.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.4 / 5.0
Top Positive:
Highly valued for its simple 1.5% cash back on all purchases, no annual fee, and enhanced rewards on dining, drugstores, and travel booked through Chase. Users appreciate the flexibility to combine rewards with other Chase Ultimate Rewards cards for greater value.
Top Negative:
Main drawbacks include a 3% foreign transaction fee, lack of rotating bonus categories like the Freedom Flex, and a lower flat-rate cash back compared to some 2% cards. Approval can be challenging for those over Chase's 5/24 rule.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Flex
- Wells Fargo Active Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $403.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: October 2023