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Chase Freedom Unlimited® Card: 1.5% cash back on all purchases, forever.
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The Chase Freedom Unlimited® is a great choice if you’re looking for a cash-back credit card. In the long term, the 1.5% cash back you may receive on all purchases with this card will add up to significant savings.
Before making a final choice, consider the following information about the Chase Freedom Unlimited® card.
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Chasing Rewards: Unveiling the Chase Freedom Unlimited Card
Ever feel like you’re just swiping plastic without getting anything in return? Well, the Chase Freedom Unlimited credit card might be your ticket to effortless rewards.
But before you jump on the application process, let’s take a closer look at its pros and cons to see if it fits your spending style.
Filling Your Wallet: Advantages of the Chase Freedom Unlimited
- Cash Back on Everything: Forget juggling multiple cards for different categories. The Chase Freedom Unlimited offers a flat 1.5% cash back on all your purchases – groceries, gas, that random online splurge – it all adds up. Plus, you get bumped up to 3% cash back in popular spending areas like dining and drugstores.
- Travel Bonus: Planning a getaway? Booking your travel through Chase Travel unlocks a sweet 5% cash back perk, putting more money back in your pocket for souvenirs or that fancy airport meal.
- Welcome Wagon Bonus: New cardholders get a warm welcome with a limited-time bonus of $200 cash back after meeting minimum spending requirements. That’s like free money to jumpstart your rewards journey!
- Intro APR for Breathing Room: Making a big purchase or need to tackle existing credit card debt? The 0% introductory APR on purchases and balance transfers for the first 15 months can be a lifesaver, giving you time to pay things down without accruing interest.
- No Annual Fee: Here’s the cherry on top – you don’t pay a yearly fee to hold this card. Unlike some rewards cards, you can enjoy the benefits without an additional cost.
Considering the Flip Side: Disadvantages to Be Aware Of
- Rewards Redemption Flexibility: While you have options for redeeming your cash back, like statement credits or direct deposit, you can’t redeem for travel points or experiences directly through the card.
- Lower Rewards on Big Spenders: If you’re a high roller, the 1.5% flat rate might not be as exciting as cards with rotating bonus categories that can reach up to 5% cash back.
- Intro APR Disappearing Act: After the intro period ends, the regular APR kicks in, which could be higher than other cards. Be sure to pay your balance in full to avoid accruing interest charges.
The Verdict: Freedom to Choose
The Chase Freedom Unlimited card is a solid choice for everyday spenders who value simplicity and a no-annual-fee option.
The bonus categories on dining and drugstores add a nice touch, and the travel perk is a bonus for occasional globetrotters.
However, if you’re a travel enthusiast or crave high rewards on specific categories, you might want to explore cards with more specialized features.
Chase Freedom Unlimited credit card applicants need a strong credit score of 700 or above to be considered. Plus, their yearly salary has to be higher than the card’s minimum monthly payment.
If you’re planning on making any transactions in a currency other than US dollars while abroad, you may want to reconsider using your Chase Freedom Unlimited Card. Every time you use your card abroad, you’ll be hit with this cost.
Chase Freedom Unlimited® might be a good alternative for those just starting out with credit cards due to its low annual fee and 0% intro APR for the first 15 months. This credit card might be a good choice if you are just getting started with credit cards and have some experience of personal finance.
The Chase Freedom Unlimited shines for everyday purchases with its straightforward rewards and no annual fee.
The bonus categories for dining and drugstores are a welcome boost, and the travel perk is handy for occasional trips.
This card is very popular, and now you know the reason. It is outstanding and shines among your options.
If you have what it takes to be a Chase credit cardholder, check the following link and start your application process with our full review and application guide!
Freedom Unlimited®
Chase Freedom Unlimited® is a credit card that lets you make the most of your perks. Increase your purchasing power with rebates, bonuses, and other incentives.
Maybe you’re just starting your credit card journey or looking for a card that’s easy to manage. The Petal 1 might be worth a peek!
This card focuses on building credit with responsible use and offers some perks like no annual fee and cash back on everyday purchases.
While the rewards might not be as flashy as some other options, it’s a great first card or a good fit for someone who wants a no-fuss option.
Intrigued? We dive deeper into the Petal 1 in a separate post, so head over there to see if it fits your wallet’s personality!
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