The Chase Freedom Unlimited® is a Visa. Does Chase Freedom Unlimited have a sign-up bonus? Yes. The bonus is: 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!
How to activate Chase Freedom Unlimited?
Chase Freedom Unlimited® ... You can also activate by visiting the DashPass and Chase co-brands website page. Cardmembers will need to activate by March 31, 2022, to enjoy the new benefit.
What are the benefits of Chase Freedom Unlimited?
Top Chase Freedom Unlimited Benefits:
- Rental car insurance: Provides secondary coverage for up to 31 consecutive days against damage and theft, up to the actual cash value of rental vehicles paid for with the Chase ...
- Roadside dispatch: Includes 24/7 towing, tire changes, jump starts, fuel delivery and lockout service. ...
- Extended warranty: Extends U.S. ...
Is Chase Freedom a visa or MasterCard?
The Chase Freedom Unlimited® runs on the Visa payment network, while the Chase Freedom Flex℠ is a Mastercard. In terms of acceptance, it doesn't matter much if you carry a Visa or a Mastercard.
What credit bureau does Chase Freedom unlimited use?
When you apply for the Chase Freedom Unlimited®, Chase may pull your credit history from one or more than one of the three major credit bureaus: Equifax, Experian and TransUnion. These responses are not provided or commissioned by the bank advertiser.
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Is Chase Freedom Unlimited Mastercard or Visa?
The Chase Freedom Unlimited® runs on the Visa payment network, while the Chase Freedom Flex℠ is a Mastercard. In terms of acceptance, it doesn't matter much if you carry a Visa or a Mastercard. But Visa and Mastercard do offer some differing side perks.
Is a Chase Freedom card a Visa?
Also, the Chase Freedom® is a Visa, while the Chase Freedom Flex℠ is a Mastercard. Does the Chase Freedom® earn cash back or points? Freedom-branded cards technically earn Chase Ultimate Rewards® points, which you can redeem for 1 cent apiece as cash back.
What kind of credit card is Chase Freedom Unlimited?
cash back credit cardChase Freedom Unlimited is a cash back credit card with no annual fee and a 0% intro APR for 15 months from account opening on purchases and balance transfers, which may make it a good choice for most consumers who qualify, especially those who want to earn a solid rewards rate on every purchase.
Is Chase Freedom Unlimited a Visa Signature?
Chase Freedom Unlimited® is a Visa Signature card for some cardholders, as was the Chase Freedom® card, which is no longer available to new applicants. Chase Freedom's replacement card, Chase Freedom Flex℠, is issued on the Mastercard credit card network.
Which Chase cards are Visa?
Both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are on the Visa network. First and foremost, that means you can use these cards virtually everywhere in the world as Visa is one of the card networks with the most extensive international acceptance.
Which Chase cards are Visa Signature?
Bottom Line: The Chase Sapphire Preferred card is a good example of one of the best Visa Signature cards because it not only offers core Visa Signature benefits but also valuable additional Visa Signature benefits that Chase has chosen to include.
Is it hard to get Chase Freedom Unlimited?
Chase Freedom Unlimited® is fairly hard to get, as it requires at least good credit for approval, meaning a minimum credit score of 700. The Chase Freedom Unlimited card is even harder to get with scores lower than that.
What is the credit limit on Chase Freedom Unlimited?
Here's why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you're approved for the Visa Signature® version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.
What's the difference between Chase Freedom and Freedom Unlimited?
The difference is that the Chase Freedom Flex℠ earns 5% on quarterly rotating categories and 1% cash back on everything else, while the Chase Freedom Unlimited® earns 1.5% cash back on everything else.
What is the highest level of Visa credit card?
Visa InfiniteVisa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits.
How many credit cards should a person have?
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
How many credit cards are too many?
How many credit accounts is too many or too few? Credit scoring formulas don't punish you for having too many credit accounts, but you can have too few. Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time.
Is Chase Freedom Flex Visa or Mastercard?
MastercardAlthough these two Freedom cards are both issued by Chase, they run on different card networks — the Chase Freedom Unlimited is a Visa, while the Chase Freedom Flex is a Mastercard. That means the benefits do vary quite a bit between the two cards.
How much is Chase Freedom credit limit?
Here's why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you're approved for the Visa Signature® version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.
What credit score do you need for Chase Freedom?
690 or betterIs Chase Freedom Unlimited hard to get? You'll need good to excellent credit to qualify for the Chase Freedom Unlimited®. Generally speaking, this is defined as a credit score of 690 or better.
Is Chase Sapphire Visa or Mastercard?
VisaA Chase Sapphire card is a Visa. Both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® are on the Visa network. First and foremost, that means you can use these cards virtually everywhere in the world as Visa is one of the card networks with the most extensive international acceptance.
Our Take
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.
Quick Facts
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!
About the authors
Claire Tsosie is an assigning editor for NerdWallet. Her work has been featured by Forbes, USA Today and The Associated Press. Read more
What are the relevant APRs for Chase Freedom Unlimited Visa?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.
What is the commission on a Visa card?
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
Does Chase Freedom Unlimited Visa report your account activity to credit bureaus?
Yes , Chase Freedom Unlimited Visa reports your account activity to the following credit reporting agencies:
Why trust us?
Our editorial team and expert review board work together to provide informed, relevant content and an unbiased analysis of the products we feature. The editorial content on our site is independent of affiliate partnerships and represents our unique and impartial opinion. Learn more about our partners and how we make money .
Summary
The Chase Freedom Unlimited credit card comes with a generous rewards program, a 0% introductory interest rate offer and no annual fee. Does that make this card a worthwhile addition to your wallet?
Solid long-term value
The cash back program isn’t the Chase Freedom Unlimited card’s only perk. The card also offers a 0% interest rate on purchases for the first 15 months after you open your account. After this introductory period ends, the card’s standard variable APR of 14.99% to 24.74% kicks in.
Is the Chase Freedom Unlimited a good card for you?
The Chase Freedom Unlimited is a good addition to your wallet depending on your spending habits and the other cards in your wallet. To maximize the value of your Chase Freedom Unlimited card, you’ll need to use other Chase-branded cards, travel frequently and spend a lot at restaurants and drugstores.
Bottom line
The Chase Freedom Unlimited’s value peaks when you have more than one Chase card in your wallet, yet it’s still a solid card on its own for those who spend a lot in its top rewards categories of dining, drugstore and Ultimate Rewards travel.
How much is the Chase Freedom Unlimited bonus?
The Chase Freedom Unlimited’s sign-up bonus is pretty straight forward — new applicants earn a $200 bonus after spending $500 in their first three months. This low minimum spend requirement should be easy for most to meet and start you on your way to earning some easy cash.
How much cash back does Chase Freedom Flex get?
The Chase Freedom Flex earns 5% cash back, on your first $1,500 in purchases each quarter you activate, in rotating categories that change every quarter (again, the cash back comes as 5 Ultimate Rewards points per dollar). Then, on all other non-category purchases, you are only earning 1% cash back.
Who is this card for?
Approval is relatively easy, and the card helps you build a relationship with Chase so you can eventually get some of the issuer’s more valuable cards, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve (truthfully, it is even a great card for experts as well).
How long does purchase protection last?
Purchase protection that covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Can you convert Freedom Unlimited points to Chase Ultimate Rewards?
This is because the cash back earned with the Freedom Unlimited can be converted into Chase Ultimate Rewards points — but only if you already have another card that earns Ultimate Rewards, such as the Chase Sapphire Preferred Card, Chase Sapphire Reserve or Ink Business Preferred Credit Card. With these cards, you can convert that initial $200 cash back into 20,000 Chase Ultimate Rewards points (as well as converting any subsequent points you earn on the card) and transfer them to airline or hotel partners or use them in the Chase Ultimate Rewards portal.
Can you transfer Freedom Unlimited points to Chase?
This is because the cash back earned with the Freedom Unlimited can be transferred into Chase Ultimate Rewards points — but only if you already have another card that earns Ultimate Rewards , such as the Chase Sapphire Preferred, Chase Sapphire Reserve or the Ink Business Preferred Credit Card. With these cards, you can transfer ...
Is Freedom Unlimited a good card?
The no-annual-fee Chase Freedom Unlimited is a perfect card for both beginner and advanced award travelers. You’ll earn at least 1.5% back on purchases, which makes it great for non-bonus spending. But new bonus categories also make it easier to maximize other spending. If you pair this with a card that earns premium Chase Ultimate Rewards points, you can convert your rewards into fully transferable points, doubling their value. Card Rating*: ⭐⭐⭐⭐
Is Freedom Unlimited a good card?
Yes! The Freedom Unlimited card is a great card. With no annual fee and rewards of 5% back on travel through Chase Ultimate Rewards, 3% back on dining and drugstores, and 1.5% cash-back on all other purchases. Plus, the rewards it earns are credited as Ultimate Rewards points.
Does Freedom Unlimited have cash back?
Image Credit: Chase. Although the Freedom Unlimited card is marketed as a cash-back card, you actually earn Ultimate Rewards points. If this is the only Chase Ultimate Rewards card that you hold, you have several options for redeeming those points.
Can you redeem Freedom Unlimited points?
Cash-back. Yes, this is as easy as it sounds: you can redeem your points for straight cash-back. At a penny per point, there is no minimum (or maximum) number of points required for a cash-back redemption.
What is a Visa Signature card?
Visa Signature is one of three benefit tiers the Visa network makes available for Visa credit cards. Signature cards may come with features and perks not available on traditional Platinum Visa cards, like extended warranty protection, lost luggage reimbursement, and travel accident insurance, among others. It’s important to note, however, that credit card issuers such as Chase ultimately decide which benefits are included on a particular Visa card.
Is Chase Freedom Unlimited a Visa card?
Chase Freedom Unlimited® is a Visa Signature card for some cardholders, as was the Chase Freedom® card, which is no longer available to new applicants. Chase Freedom’s replacement card, Chase Freedom Flex℠, is issued on the Mastercard credit card network.
Is Chase a Visa or Mastercard?
In other words, Chase can be Visa or Mastercard, depending on which Cha se credit card you have.
Why trust us?
Our editorial team and expert review board work together to provide informed, relevant content and an unbiased analysis of the products we feature. The editorial content on our site is independent of affiliate partnerships and represents our unique and impartial opinion. Learn more about our partners and how we make money .
Summary
The Chase Freedom Flex and Chase Freedom Unlimited cards share similar names, so you may wonder if their rewards structures are the same, too. While there’s plenty of overlap, each card has unique advantages.
Earning rewards
When comparing the Chase Freedom Flex to the Freedom Unlimited, the key factors are how they earn rewards and which earning structure will give you the most points.
Redeeming rewards
Both the Freedom Flex and the Freedom Unlimited redeem rewards in basically the same way. The earnings for both cards are often marketed by Chase as cash back, but you are credited with Ultimate Rewards points.
Annual fee
This is an easy category to compare the Chase Freedom Flex and the Chase Freedom Unlimited, since neither has an annual fee.
Intro APR offers
Both cards offer introductory 0% APR offers. In each case, you’ll get 0% APR for 15 months from account opening on purchases as well as balance transfers. After the introductory 0% period, your interest rate will jump to a variable APR of 14.99% to 23.74%.
Perks
The Freedom Flex and the Freedom Unlimited don’t come with nearly as many perks as other premium cards that have annual fees. Both cards offer a complimentary three months of DoorDash DashPass, where you can get unlimited deliveries for a $0 delivery fee on eligible orders over $12.
What is the difference between Chase Freedom and Chase Freedom Unlimited?
The main difference between these two cards is how they earn cash back — and only one of them is currently available to new applicants.
How much cash back does Freedom Unlimited give?
Freedom Unlimited starts giving you a minimum of 1.5% cash back on every purchase from day one with no additional steps required to earn. Chase requires Freedom cardholders to click an email link or login to activate the 5% bonus every quarter.
Is Chase Freedom Unlimited a cash back card?
The Chase Freedom® and Chase Freedom Unlimited® are both cash-back rewards cards with no annual fees. Chase Freedom offers a bonus in categories that rotate every calendar quarter, while Freedom Unlimited gives you a flat rate of cash back on all purchases.
Can you cash out with Chase Freedom?
When you earn cash back with Chase Freedom or Freedom Unlimited, you can cash out at any time. But the cards are also connected to the Ultimate Rewards program, which can give you even more value for travel if you also have the Chase Sapphire Preferred or Chase Sapphire Reserve credit cards.
Cash Back and Rewards That Don’T Expire
Solid Long-Term Value
- The cash back program isn’t the Chase Freedom Unlimited card’s only perk. The card also offers a 0% interest rate on purchases and balance transfers for the first 15 months after you open your account. After this introductory period ends, the card’s standard variable APR of 15.24% to 23.99% kicks in. You’ll also get three free months of DashPass. T...
Is The Chase Freedom Unlimited A Good Card For You?
- The Chase Freedom Unlimited is a good addition to your wallet depending on your spending habits and the other cards in your wallet. To maximize the value of your Chase Freedom Unlimited card, you’ll need to use other Chase-branded cards, travel frequently and spend a lot at restaurants and drugstores. If you eat out often or frequently order takeout, you can quickly earn cash as yo…
Bottom Line
- The Chase Freedom Unlimited’s value peaks when you have more than one Chase card in your wallet, yet it’s still a solid card on its own for those who spend a lot in its top rewards categories of dining, drugstore and Ultimate Rewards travel.