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.
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
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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