Chase Freedom Unlimited® Credit Card
The Chase Freedom Unlimited® is a popular no-annual-fee rewards credit card known for its simple, yet robust, earning structure. It earns elevated rewards on specific bonus categories while offering a competitive 1.5% cash back rate on all other purchases. The card is also recognized for its flexible redemption options and long 0% introductory APR period.
The Chase Freedom Unlimited® card earns rewards within the Chase Ultimate Rewards program, redeemable for cash back at 1 cent per point. It offers accelerated rewards in several categories, including travel booked through the Chase Travel portal, dining, and drugstore purchases, while providing a consistent 1.5% cash back on all other spending. New cardholders may receive a welcome bonus after meeting a spending requirement in the initial months.
Additional benefits include an introductory 0% APR on purchases and balance transfers for the first 15 months, followed by a variable APR. The card has no annual fee and provides travel and purchase protections, including trip cancellation/interruption insurance and purchase protection. It also offers zero liability protection for unauthorized charges. New cardholders may receive complimentary DashPass and potentially boosted Lyft rewards through temporary promotions.
The Chase Freedom Unlimited® is suitable for everyday spenders who prefer a consistent rewards rate and users within the Chase ecosystem, as rewards can be transferred to premium travel cards. It is generally recommended for individuals with good to excellent credit. Potential drawbacks include a 3% foreign transaction fee and potentially lower earnings compared to cards with rotating bonus categories for those who track them.
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Chase Freedom Unlimited®
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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