Chase Freedom® Unlimited Credit Card: Features & Benefits

Summary

Chase Freedom® Unlimited Credit Card is among the best a fee-free cashback card with richer rewards. It pays 1.5% cashback on purchases without limits and 3%-5% cashback in select categories such as traveling, dining, and drug shopping. The best feature of the card is 0% intro APR for 15 months, an offer to pay bills without taking the shortcut of paying instant interest charges.

It is easy to apply for the card, either online through Chase’s website or in a branch of Chase Bank. To be considered, you usually need a credit score of 670 or better (good credit), and the higher your score (750+), the more you’ll receive for the credit limit. The credit limit varies, generally between $500 and $1,000 for lower scores and over $15,000 for excellent credit customers.

There is no foreign transaction fee on this card, which means you can use it to make purchases overseas without extra cost. It can be used everywhere in the world at restaurants, stores, gas stations, and online retailers like Amazon, Netflix, and Uber. Other fees include a late payment fee of up to $40 and a cash withdrawal fee of 5% or $10 (whichever is higher).

Introduction

If you want a cashback credit card with excellent cashback rewards, easy redemption options, and worthwhile benefits, Chase Freedom Unlimited is an excellent option. As a new customer or as someone who would want to optimize everyday purchases, this card offers different benefits without paying an annual fee.

One of the strongest draws of this card is that it gives you unlimited 1.5% cashback on every purchase, and it is a simple, reward-laden choice for shoppers who don’t want to monitor specific categories of spending. It also gives you more cash back on some categories, like travel, eating out at restaurants, and spending on drugs, to give you more on the expenses that you must pay.

In addition to the cashback reward, the Chase Freedom Unlimited card has a 0% APR intro offer on purchases and balance transfers, perfect for individuals who desire to keep the expenses without an immediate interest charge. And, new members are rewarded with a significant welcome bonus after a quantity of value is spent, enhancing its worth.

Here, we are going to cover the nitty-gritty details, benefits, fees, and how Chase Freedom Unlimited compares with other credit cards. Whether you’re determined to get the highest cashback or simply looking for a solid everyday card, this article will help you determine if this is the card for you or not.

What is the Chase Freedom® Unlimited Credit Card?

The Credit Card is one of the most popular cashback credit cards offering unlimited 1.5% cash back on all purchases. That is, you do not need to think about spending categories—whenever you buy something with your card, you earn rewards.

It also provides you with greater cashback rewards on dining, travel, and drugstore purchases, so it’s a great choice for everyday purchases. And there is no annual fee, so you can enjoy all the perks without paying a penny more.

How is the design of the Chase Freedom® Unlimited Credit Card?

The Credit Card has a contemporary design that appears modern and stylish. The card has a dark blue color with a shiny, smooth cover that provides an upscale look. It has the Chase logo at the left top and the Freedom Unlimited logo in the middle.

It’s a Visa card, so you’ll notice the Visa logo at the bottom. There is also a contactless payment icon, enabling you to make easy tap-and-go payments without swiping or inserting it into a terminal.

What are the benefits of the Chase Freedom® Unlimited Credit Card?

Here are the main benefits described in easy language:

1. Unlimited Cashback on Purchases

• 1.5% cashback on all you buy—no categories or limits.

• 3% cashback on dining, including restaurants, takeout, and delivery.

• 3% cash back on drugstore buys (such as medicines and daily needs).

• 5% cashback on travel booked with Chase Ultimate Rewards® (such as flights, hotels, and car rentals).

2. Welcome Bonus (Real Rewards!)

• Earn a $200 bonus after spending $500 in the first 3 months.

• Earn 5% cashback on grocery store purchases (not including Walmart and Target) for the first 12 months, up to $12,000 spent.

3. 0% Intro APR Offer

• Pay 0% interest on purchases and balance transfers for the first 15 months.

• Then, a variable APR will apply.

4. No Annual Fee

• You don’t pay anything to keep this card active.

5. Travel & Purchase Protection

• Trip cancellation/interruption insurance: Get reimbursed if your trip is canceled because of illness or inclement weather.

• Auto rental collision damage waiver: Assists if your rental vehicle is damaged or stolen.

• Purchase protection: Protects new purchases from damage or theft for 120 days (up to $500 per claim).

• Extended warranty: Provides one additional year on qualifying manufacturer warranties.

6. Chase Ultimate Rewards® Benefits

• Redeem your cashback as statement credits, travel points, or gift cards.

• Pair with Chase Sapphire Preferred® or Reserve® to receive more value when redeeming for travel.

7. Contactless & Secure Payments

• Tap-to-pay feature for easy transactions.

• Zero fraud liability, so you won’t be held responsible for unauthorized purchases.

What are the fees for the Chase Freedom® Unlimited Credit Card?

Here is a simple Chase Freedom® Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	5% of the amount withdrawn or $5 whichever is higher.
Late Payment Fee	If you miss a payment, the APR may increase (up to 29.99% variable APR). Late payment fee: Up to $40

What are the criteria for getting a Chase Freedom® Unlimited Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Chase Freedom® Credit Card.

2. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

3. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. 

4. You must be a U.S. citizen resident and have valid address proof within the country. 

5. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

6. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Chase Freedom® Unlimited Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Government ID (such as Driver’s License, State ID, or Passport). Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) (for verification purposes).
Address Proof	Present U.S. address (you need to be a resident of the U.S.). Lease agreement or utility bill (only if Chase requests proof of address).
Income Proof	Employer details (if employed). Estimated income annually (you may not have to show documentation, but Chase may verify). Bank statements or tax returns (asked sometimes if further verification is necessary).
Photograph	The latest passport-sized photograph

Where can the Chase Freedom® Unlimited Credit Card be used?

Here’s where you can utilize it:

1. In-Store Shopping

• Spend it at grocery stores, restaurants, gas stations, retail outlets, and malls.

• Accepted at big stores such as Walmart, Target, Best Buy, and Costco (Visa establishments only).

2. Online Shopping

• Accepted on sites like Amazon, eBay, Walmart, and Best Buy.

• Spend it on food delivery (Uber Eats, DoorDash), streaming services (Netflix, Spotify), and memberships.

3. Travel & Hotels

• Book airline tickets, hotels, and cars using Expedia, Booking.com, or airlines.

• Foreign transaction fee-free – excellent when you’re overseas.

4. Contactless & Mobile Payments

• Compilers with Apple Pay, Google Pay, and Samsung Pay to easily make tap-to-pay payments.

5. Cash Withdrawals (Cash Advance)

• ATMs offer withdrawals in cash but have large fees with interest and should not be recommended.

What is the credit limit of the Chase Freedom® Unlimited Credit Card?

The credit limit of the Chase Freedom® Unlimited Credit Card will be based on your income, financial history, and credit score. Chase has no one-size-fits-all limit, but most commonly:

• The minimum credit limit will be $500–$1,000 for regular approvals.

• Most of the users with excellent credit (700+) receive limits of $3,000–$10,000.

• If you possess a great credit rating (750+) and good earnings, you could be approved with a higher credit limit (above $15,000).

How do you apply for a Chase Freedom® Unlimited Credit Card?

You may apply for Chase Freedom® Unlimited Credit Card in two modes: Online (on the Chase website) and Offline (by contacting a Chase bank).

Online Application Procedure (Easy & Quick)

• Go to the official website of Chase.

• Find the Chase Freedom® Unlimited Card under credit cards.

• You will be routed to the application form.

• Personal Information: Name, date of birth, Social Security Number (SSN), and phone numbers.

• Income Details: Your income value and job status each year.

• Current U.S. Address: Your present U.S. address.

• Process all information and approve.

• Chase will check your credit score and report before approval.

• You will get instant approval if you have excellent credit.

• If Chase requires checking more details, it will contact you in 7–10 business days.

• Your card will be delivered to your address in 7–10 business days if approved.

Offline Application Process (Visit a Chase Branch)

• Visit your local Chase Bank branch.

• Bring ID, proof of income, and SSN.

• Ask for a credit card application form.

• Give your financial and personal details.

• The bank representative will verify your documents and process your application.

• Chase will verify your credit score and accept or decline your application in a few days.

• Chase will mail your card if accepted.

Would getting a Chase Freedom® Unlimited Credit Card in 2025 be right?

Yes! The Chase Freedom Unlimited Card is still a great choice in 2025 if you like a no-annual-fee cashback credit card.

• Unlimited 1.5% cash back on all purchases.

• Higher rewards (3%-5%) on dining out, chemists, and travel.

• 0% intro APR for 15 months (ideal for big-ticket purchases).

• No yearly fee, so it is cost-effective.

• Charged worldwide (since it’s a Visa card).

Conclusion

Chase Freedom Unlimited Card is the perfect choice for anyone looking for a rewarding, practical, and cheap credit card. Whether you are a new cardholder or you need to add a cashback card to your wallet, this card is a must-have with no fee.

One of the highlights of this card is its unlimited 1.5% cashback on all you purchase, a straightforward but efficient means of earning rewards. It also rewards you with bonus cashback (3%-5%) on dining, drugstores, and travel, which will appeal to those who shop extensively in these areas. Because there is no annual fee, you get to enjoy these rewards for free.

For individuals putting high-ticket products and wanting to have control of money, the 0% intro APR for 15 months is a major advantage. This is because it does not subject you to interest when buying within that time and therefore makes it easier for you to fund spending comfortably. Secondly, since this is a Visa card, it is accepted everywhere, both domestically and internationally, and therefore can suit travelers quite well too.

Frequently Asked Questions (FAQ’s)