How Does Chase Freedom Unlimited Work?

The Chase Freedom Unlimited℠ Card earns 1.5% cash-back on all eligible transactions.

This cash-back is recorded as points and stored as Chase Ultimate Rewards points.

Each point is equivalent to 1 penny if redeemed for cash.

Cash-back can be redeemed for a statement credit or a direct deposit into your bank account.

Is Chase Freedom Unlimited a good credit card?

Chase Freedom Unlimited is a cash back credit card with no annual fee and a 0% APR introductory rate, which may make it a good choice for most consumers who qualify, especially those who want to earn a solid rewards rate without worrying about bonus categories.

Is Chase Freedom Unlimited easy to get?

The Chase Freedom Unlimited® is a card found on many lists of top rewards credit cards, and with good reason. When used wisely, the card can offer a lot of value — and all without paying an annual fee. But, the Chase Freedom Unlimited® isn’t the easiest card to get.

How do you use Chase Freedom?

Here’s how to use it:

  • Log in to Shop through Chase with your Chase account.
  • Choose a retailer from Chase’s list of partners. Clicking on the retailer’s link takes you to its website.
  • Shop at the retailer’s site as you normally would, and be sure to pay with your Chase Freedom® card.

What credit score do you need for Chase Freedom?

around 680

Will I be approved for Chase Freedom Unlimited?

You’ll have a better chance to be approved for this card with a credit score of 680+, but because Chase also looks at other factors, it is possible to get approved with a lower credit score (or denied with a higher credit score). If you do not get approved for the card, you can call Chase and ask for a reconsideration.

Is it hard to get approved for a Chase credit card?

Credit score required for Chase credit cards

A score above 700 is even better and gives you a strong chance at an approval. There is no hard-and-fast rule here, as there have been applicants with scores below 650 who have reported getting approved for a Chase card.

What is the minimum credit limit for Chase Freedom Unlimited?

The Chase Freedom Unlimited credit limit is $500 or more for everyone who’s approved. The most creditworthy applicants can get starting credit limits of $5,000 or higher. Freedom Unlimited cardholders who start with a limit of at least $5,000 get the Visa Signature version of the card instead of a Visa Platinum card.

What credit score do I need to get approved for Chase Freedom?

The Chase Freedom® is mainly for those in the “Good” (700+) to “Excellent” (750+) credit ranges, but there are reports of people being accepted with credit scores as low as 645.

Will I get approved for Chase Freedom Unlimited?

Chase Freedom Unlimited Bonus

You don’t have to worry about bonus categories and there’s no limit to how much cash back you can earn. Chase will not approve you for most of their cards if you’ve opened 5+ cards from any bank (not counting Chase business cards and other business cards) in the past 24 months.

How long is Chase Freedom interest free?

Chase Freedom

The cards each offer 0% APR for 15 months for new purchases and balance transfers (then a variable APR of 16.49% – 25.24% applies). With each card, you can earn $150 (or 15,000 bonus points) after spending $500 in the first three months.

How long does Chase Freedom approval take?

How long does it take to get approved for a Chase credit card? Many credit card approvals can happen immediately. If you don’t get an immediate approval, you will most likely get a decision in 7-10 business days. However, sometimes it can take up to 30 days.

Do Chase rewards expire?

Chase Ultimate Rewards points do not expire as long as you keep your card account open. If you maintain your Chase credit card, you maintain your points. These points are handy to collect over time, as you may want to cash in for a certain big trip with the Chase Sapphire Preferred® Card.

What is the minimum credit score for a credit card?

However, your choices may be limited if you don’t have at least good credit. Many credit cards require good to excellent credit to qualify. A good FICO credit score is 670 or higher, or 700 or higher on VantageScore.

What is the easiest Chase card to be approved for?

Chase Sapphire Preferred® Card

No delivery fees for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash -over a $100 value. Activate with your Chase Sapphire card by December 31, 2021. Earn 5X points on Lyft rides through March 2022.

Which Chase Card is easiest to get?

The easiest Chase cards to get are the ones that require good credit for approval. They include Chase Slate, the Amazon Visa and the Hyatt Credit Card. And “easy” is a relative term here because you’ll need a credit score of 700+ to have a good chance of qualifying for them.