Chase Freedom Unlimited®
Basic Information
Program ID: chase-freedom-unlimited
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 12:02
Last Scraped: 01/15/2026 07:03
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% 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
Purchase APR Range: 2,049.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after requirement is met, often posting with the next statement closing.
Rewards Program
Reward Type: Chase Ultimate Rewards Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on Travel purchased through Chase Travel, 3x on Dining, 3x on Drugstore purchases, 1.5x on all other purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Flying Blue (Air France/KLM), Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, World of Hyatt, IHG One Rewards, Marriott Bonvoy
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Chase Freedom Unlimited, applicants must adhere to the Chase 5/24 Rule, meaning they must not have opened 5 or more personal credit cards from any issuer in the past 24 months. Additionally, applicants are generally ineligible for a new cardmember bonus if they currently hold the Chase Freedom Unlimited or have received a new cardmember bonus for this product in the past 24 months. A good to excellent credit score (typically 670+ FICO) and sufficient income are also required.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), rapid accumulation of credit limits across Chase cards, abuse of welcome bonuses (e.g., churning), suspicious spending patterns inconsistent with declared income, bouncing payments, high utilization without consistent payments, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.3 / 5.0
Top Positive Feedback:
Excellent flat-rate cash back (1.5% on all purchases), no annual fee, valuable sign-up bonus, strong integration with Chase Ultimate Rewards for travel redemptions when paired with a Sapphire card, 0% intro APR offer.
Top Negative Feedback:
Charges foreign transaction fees, not ideal for maximizing rewards in specific spending categories without pairing, no premium travel benefits on its own.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0