
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
finder.com’s rating: 4.7 / 5
★★★★★
$200
Welcome offer
Up to 5%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 15 months (then 14.99% to 23.74% variable)
Annual fee | $0 |
---|---|
Welcome Offer | $200 after spending $500 in the first 3 months |
Rewards | 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
Purchase APR | 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR | 14.99% to 23.74% variable |
Recommended minimum credit score | 670 |
Issuer | Visa |
Review by
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
A good to excellent credit score will increase the chances of your application being approved.
You typically find out about your application’s status minutes after you submit it online if everything can be immediately confirmed. If approved, you’ll get your card in the mail within 10 business days.
The Freedom Unlimited is a strong cashback card, but here are a couple others that are competitive as well.
Chase Freedom Unlimited®
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 |
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR 14.99% to 23.74% variable |
Rewards 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
Welcome offer $200 after spending $500 in the first 3 months |
Chase Freedom Flex℠
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 |
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR 14.99% to 23.74% variable |
Rewards 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases |
Welcome offer $200 after spending $500 in the first 3 months |
Blue Cash Preferred® Card from American Express
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 intro annual fee for the first year ($95 thereafter) |
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
Balance transfer APR N/A |
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
Welcome offer $300 after spending $3,000 in the first 6 months |
Compare even more credit cards
The Chase Freedom Unlimited® is a solid card on its own. Combine it with other Chase credit cards and you get a rewards powerhouse. The most common combination of Chase cards is the Chase trifecta, which consists of:
Before you start applying for the Chase trifecta, keep in mind that Chase has an unwritten 5/24 rule that says Chase will automatically decline your credit card application if you opened five or more credit card accounts in the past 24 months.
This includes personal and business credit cards issued by Chase and other card providers.
Here’s a look at how much cash back you can earn in one month with the Chase Freedom Unlimited given a few average spending values:
If you clear the signup bonus, that’s another $200 on top for the first year. For more tips on making the most of your Chase Freedom Unlimited, check out our Chase Ultimate Rewards earning guide.
Despite being marketed as a cashback card, you actually earn points, which you can redeem for cash. You can also redeem your Chase points for other rewards. Here’s how:
Guide to Chase Ultimate Rewards points
Many cardholders praise the Chase Freedom Unlimited®‘s 1.5% cashback feature. However, a few customers expressed that they had trouble getting their credit limit increased.
JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of October 2020. Most customer complaints revolve around poor customer service and hidden costs Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.
As of October 2020, Chase earns a Trustpilot score of 1.3 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.
After reviewing your application Chase will issue you either a Signature or Platinum card. If approved for a Signature account, your credit access line will be at least $5,000. If approved for a Platinum account, your credit limit will be at least $500.
If you’re interested in earning cash back on all of your purchases, the Chase Freedom Unlimited® is the best cashback card you can currently get. With the addition of new 5% and 3% cashback categories, this card rises high above flat-reward cards and even shoots beyond category cashback cards in some cases. No matter what kind of spender you are, you’ll find the Chase Freedom Unlimited® well worth the spot in your wallet. If you’re looking for a different kind of cashback card however, you’ll want to compare all cashback card options to find the one that brings you the most value on your spending needs.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.