![]() When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. These cards won't be worth it if you're paying interest or late fees. We're focused here on the rewards and perks that come with each card. Plus, new cardholders receive a 0% intro APR on purchases and balance transfers for the first 15 months (followed by a 19.99% - 28.74% Variable APR), making this card a good choice if you want to save money on interest. These include travel insurance, purchase protections, and statement credits. In terms of benefits, the card comes with an impressive range of perks, some of which you don't usually see on no-annual-fee cards. So earning 3% back is the same as earning 3 points per dollar.īeyond redeeming points for cash back, you can also use them to book travel through the Chase portal, trade them in for gift cards, or pay with points at Amazon and other participating merchants. While it's marketed as a cash-back credit card, it actually earns rewards in the form of Chase Ultimate Rewards® points, which are worth 1 cent apiece when you redeem them for cash back. The Chase Freedom Unlimited® offers a welcome bonus of 1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back). Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greaterĬhase Freedom Unlimited: Is It Worth It for You?.Foreign transaction fee: 3% of the amount of each transaction in US dollars.After that: Either $5 or 5% of the amount of each transfer, whichever is greater Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening.Intro APR: 0% intro APR on purchases and balance transfers for the first 15 months.The Chase Freedom Unlimited® has no annual fee, but you will pay foreign transaction fees, so it's not a good choice for international purchases. As with most other cards, the Chase Freedom Unlimited® charges fees for late and returned payments, cash advances, and balance transfers. That's one of the main reasons we include it as a great choice for everyday spending in our best credit cards guide. You'll earn at least 1.5% back on your purchases with no spending caps, and the card's useful bonus categories can give your rewards earning a big boost. If you're looking for a no-annual-fee credit card that offers a solid return for your everyday spending, the Chase Freedom Unlimited® is an excellent pick. With no annual fee and a high earnings rate, it's worth considering as an everyday card - and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®. The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. ![]() Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.Cash Back rewards do not expire as long as your account is open! You can choose to receive a statement credit or direct deposit into most U.S. After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).Intro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!.
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