Chase Freedom Unlimited®: Flexible Everyday Cash Back
Chase Freedom Unlimited® offers unlimited 1.5% cash back, bonus rates in select categories, no annual fee, and a welcome bonus—perfect for simple, automatic rewards.
By: Mundo das Finanças
Unlimited 1.5% Cash Back
Earn 1.5% cash back on every purchase with no cap, making it perfect for everyday use.
Bonus Categories for Higher Rewards
Get 5% cash back on travel purchased through Chase Travel, 3% on dining, and 3% on drugstore purchases.
$200 Sign-Up Bonus
Earn a $200 bonus after you spend $500 in your first 3 months from account opening.
No Annual Fee
All these benefits come with no annual fee, making it a great option for long-term use.
Why the Chase Freedom Unlimited® Card Stands Out
The Chase Freedom Unlimited® Card is one of the most popular flat-rate cashback cards in the market—and for good reason. Its unlimited 1.5% cash back on all purchases gives cardholders a simple and consistent way to earn rewards without tracking categories. But what really enhances the value is the elevated cash back in key spending areas: 5% on travel through Chase Travel, 3% on dining, and 3% at drugstores. This makes the card incredibly useful for a wide range of purchases. The card also offers a $200 sign-up bonus after spending just $500 in the first three months, which is a relatively low threshold for such a generous reward. And with no annual fee, the Freedom Unlimited becomes an excellent choice for budget-conscious users who want ongoing value year after year. For travelers, the integration with the Chase Ultimate Rewards® program adds flexibility, as points can be redeemed for travel, cash back, gift cards, or even transferred to travel partners when paired with a premium Chase card. Overall, the Chase Freedom Unlimited® is a smart option for anyone who values simplicity, versatility, and strong ongoing rewards.
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What credit score do I need for the Chase Freedom Unlimited® Card?
You’ll generally need a good to excellent credit score, typically 670 or higher, to be approved for this card.
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Is there a limit to how much cash back I can earn?
No, there is no cap on the amount of cash back you can earn with the Chase Freedom Unlimited®.
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Do the rewards expire?
Your Chase Ultimate Rewards® points do not expire as long as your account remains open and in good standing.
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Can I upgrade the Freedom Unlimited to another Chase card later?
Yes, Chase allows product changes, so you can upgrade to a premium card like the Chase Sapphire Preferred® if eligible.
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Is the Chase Freedom Unlimited® a good travel card?
While it’s not a dedicated travel card, its 5% back on Chase Travel bookings and ability to pair with Chase Sapphire cards for travel transfers makes it a solid choice for casual travelers.
How to Apply for the Chase Freedom Unlimited® Card
Applying for the Chase Freedom Unlimited® Card is quick and convenient, whether you’re applying online or in person. Here’s how you can request your card: 1. Online Application Visit the official Chase website and search for the Freedom Unlimited® Card. Click “Apply Now” and complete the online application form. You’ll need to provide personal details including your full name, address, Social Security number, income, and employment information. 2. Check Pre-Qualification Chase offers a pre-qualification tool that allows you to check if you’re likely to be approved without impacting your credit score. This can give you peace of mind before you submit a formal application. 3. Application Review Once submitted, your application may be approved instantly, or it may go into review. If further information is required, Chase may contact you by email or phone. Approval decisions typically take from a few minutes to a couple of days. 4. Receive Your Card If approved, your card will usually arrive within 7–10 business days. You can activate it online or through the Chase Mobile App, and begin earning rewards right away.