Chase Freedom Unlimited Credit Card – How to Apply

By Raquel Oliveira • 03/06/2025

Chase Freedom Unlimited: Cashback card with no rotating categories, limits, or complications.

The Chase Freedom Unlimited Credit Card is an excellent option for individuals who want to earn cash back without the hassle of rotating categories or limits. 

With a straightforward 1.5% cash back on every purchase, this card is ideal for those who want to maximize rewards without worrying about where or how they spend. 

From everyday essentials to larger purchases, the Chase Freedom Unlimited card ensures you’re earning rewards every time you use it.

This card also offers additional perks, including a generous sign-up bonus, 0% intro APR for the first 15 months on purchases and balance transfers, and no annual fee. 

How does Chase Freedom Unlimited work?

The Chase Freedom Unlimited Credit Card works by offering 1.5% cash back on every purchase, with no limits or categories to track. 

Whether you’re shopping for groceries, dining out, or booking travel, you’ll earn cash back on all of your purchases. This makes it a simple and straightforward way to earn rewards without having to worry about rotating categories or bonus offers.

In addition to the 1.5% cash back on all purchases, the card offers a sign-up bonus for new cardholders, which provides extra cash back once a minimum spending requirement is met. 

The card also offers 0% intro APR for the first 15 months on purchases and balance transfers, which can help you save on interest if you’re planning to make large purchases or consolidate debt.

Main benefits for the Chase Freedom Unlimited

• Unlimited 1.5% cashback on all purchases, ensuring a simple and effective rewards system without rotating categories or activation requirements.
• Higher cashback rates in specific categories, including 5% on travel purchases through Chase Ultimate Rewards and 3% on dining and drugstore spending, maximizing savings on common expenses.
• A 0% introductory APR for 15 months on purchases and balance transfers, allowing cardholders to manage larger expenses or consolidate existing debt without interest.
• No annual fee, making this card a cost-effective option for individuals seeking rewards and financial flexibility without extra maintenance costs.

Cons for the Chase Freedom Unlimited

While the Chase Freedom Unlimited Credit Card offers great benefits, there are a few downsides to consider. 

One downside is that the cashback rate is only 1.5%, which is lower than some other cards that offer higher rates for specific categories like dining, travel, or gas. 

If you spend a lot in one of those categories, a card with enhanced rewards in those areas might be a better fit for you.

Additionally, the card charges a relatively high APR once the intro period ends, which could lead to costly interest charges if you carry a balance. The card also charges a 3% foreign transaction fee, making it less ideal for international travel.

APR and Fees

The Chase Freedom Unlimited Credit Card offers 0% intro APR for the first 15 months on purchases and balance transfers, which is a great perk for those who want to make large purchases or transfer balances from high-interest credit cards. 

After the intro period ends, the APR reverts to a variable rate, typically between 14.99% and 23.74%, depending on your creditworthiness.

There is no annual fee for the card, which is a major advantage for those who want to earn cash back without paying extra for the privilege. However, the card does charge a 3% foreign transaction fee, which could be a downside for those who travel internationally.

How to Apply for the Chase Freedom Unlimited

Applying for the Chase Freedom Unlimited credit card is a quick and straightforward process, with online applications often providing instant approval decisions for eligible applicants.

• If approved, the physical credit card will be mailed within 7 to 10 business days, after which it can be activated and used immediately for purchases.
• Visit the Chase website and navigate to the credit card application section to find the Chase Freedom Unlimited card and begin the process.
• Fill out the application form with required details, including name, address, income, and Social Security number, to allow for credit evaluation and approval.
• Submit the form and wait for the approval process, which typically provides instant feedback regarding application status based on credit history and financial profile.

Who Should Apply for the Chase Freedom Unlimited Credit Card?

The Chase Freedom Unlimited credit card is best suited for individuals who want a simple and flexible cashback system that allows them to earn rewards consistently without tracking spending categories.

It is a strong option for users who value a no-annual-fee card, ensuring that every cashback dollar earned remains in their pocket rather than being offset by maintenance fees.

Additionally, it benefits frequent travelers who book through Chase Ultimate Rewards, as the 5% cashback on travel purchases increases overall rewards accumulation and enhances trip savings.

However, individuals who travel internationally often may find other options more beneficial, as the 3% foreign transaction fee adds costs to purchases made in foreign currencies.

Final Considerations

The Chase Freedom Unlimited credit card provides a strong cashback structure, no annual fee, and a long 0% APR period, making it an attractive option for users seeking simple rewards.

While the foreign transaction fees may limit international usage, its higher cashback rates on travel, dining, and drugstore purchases make it a strong choice for everyday spending.

Before applying, consider whether this card’s features align with your financial habits, ensuring that it provides maximum value based on your lifestyle and purchasing preferences.