Note the excellent sign-up bonus, solid cash-back rewards program (which earns up to 5% back on eligible purchases), and the long 0% APR introductory promotion. These are the most important features of the Chase Freedom Unlimited Credit Card. Key Features of the Chase Freedom Unlimited Credit Card None - all spending earns 2% cash back when you pay your statement on timeĠ% APR for 15 months on purchases and balance transfers, then variable regular APR applies (currently 17.24% to 25.99%)Ġ% APR for 18 months on balance transfers made within the first 120 days, then variable regular APR applies (currently 16.99% to 26.99%) See how they compare and decide which makes more sense for you.ĥ% back on eligible Chase Travel purchasesĢ% cash back - 1% when you buy and 1% when you pay your billģ% back on eligible restaurant and drugstore purchases + 1.5% back on all other eligible purchases It has good company in the Citi Double Cash Card, whose flat-rate cash-back program is even easier to understand than Freedom Unlimited’s. How the Chase Freedom Unlimited Credit Card Stacks UpĬhase Freedom Unlimited is one of the best cash-back credit cards on the market, but it’s not the only one. It’s also comparable to cash back cards with tiered or rotating cash back categories, such as the American Express Blue Cash Everyday. However, they are frequently criticized as being annoying to activate and track.Ĭhase Freedom Unlimited is comparable to a number of other cash back cards with flat, unlimited earning rates on most purchases: Capital One Quicksilver Cash Rewards Credit Card (1.5%) and Citi Double Cash Card (1% on purchases and 1% on bill payments above the minimum) are 2 noteworthy examples. Those categories allow cardholders to earn up to 5% cash back on select purchases, up to a quarterly spending cap, in addition to a 1% baseline earning rate on all other purchases. The biggest distinction between Freedom Unlimited and Freedom Flex is that Freedom Unlimited does away with Freedom Flex’s rotating cash back categories. It shares many similarities with the original Chase Freedom card and its successor, the Chase Freedom Flex card, which also lacks an annual fee and comes with generous sign-up and intro APR promotion. Chase Freedom Unlimited® is a cash back credit card with no annual fee, a very good sign-up bonus, a long intro 0% APR promotion, and a flat, unlimited 1.5% cash back earning rate on most purchases after the first year or first $20,000 in eligible purchases.
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