The Freedom Unlimited Credit Card offers straightforward rewards and no annual fee, making it ideal for everyday spending.
You can earn unlimited cashback and enjoy flexible redemption options for travel, shopping, or statement credits.
This guide will show you how to apply, understand the requirements, and order your card step by step.
Overview of the Freedom Unlimited Credit Card
The Freedom Unlimited Credit Card offers consistent rewards, unlimited cashback, and no annual fee—perfect for simple, everyday spending.
- Unlimited Cashback: Earn 1.5% cashback on every purchase with no spending caps.
- Bonus Categories: Get higher rewards for travel, dining, and drugstore purchases.
- Intro APR Offer: Enjoy 0% introductory APR for 15 months on purchases and balance transfers.
- No Annual Fee: Keep all your earnings without paying an annual fee.
- Flexible Redemption Options: Redeem cashback as a statement credit, travel, or gift cards.
- Security and Protection: Includes fraud monitoring, zero liability protection, and purchase coverage.
- Ideal for Everyday Use: Designed for consistent spenders who prefer simplicity and steady rewards.
Eligibility Requirements
Before applying for this card, ensure you meet the key requirements to boost approval chances.
- Age Requirement: You must be at least 18 years old and a legal U.S. resident.
- Credit Score: A good to excellent score (around 670+) improves approval odds.
- Income Proof: You should have a steady income or employment that supports monthly payments.
- Identification: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.
- Residency: Provide a physical U.S. address (P.O. boxes are not accepted).
- Credit History: You must have a clean payment record and fewer than 5 new credit accounts in the past 24 months (Chase’s 5/24 rule).
- Citizenship Verification: Applicants must be legally present in the United States and legally authorized to work.
How to Apply for the Freedom Unlimited Credit Card
Applying for the Freedom Unlimited Credit Card is fast and flexible. You can apply online, through the mobile app, or at a Chase branch.
- Online Application: Go to the official Chase website and click “Apply Now.” Enter your details and submit the form.
- Mobile App: Open the Chase Mobile App, log in or sign up, and select “Apply for a Credit Card.”
- In Branch: Visit a Chase branch, bring valid ID and proof of income, and apply with a representative.
- Review Terms: Read the APR, fees, and privacy details before submitting your request.
- Approval Notice: Receive an instant or emailed decision within a few business days.
- Activate Card: Once approved, activate via app or phone before first use.
In-Branch Application
If you prefer a personal approach, you can apply for the card at any Chase branch.
A representative will assist you through every step of the process.
- Locate a Branch: Use the Chase branch locator to find a nearby location.
- Bring Documents: Prepare your valid ID, proof of income, and address verification.
- Meet a Representative: Discuss your eligibility and card options directly with a Chase banker.
- Complete the Form: Fill out the credit card application with your personal and financial details.
- Submit and Review: The representative will submit your application for processing.
- Approval Notification: You’ll receive an instant or follow-up decision within a few business days.
Mobile App Application
You can also apply for the Freedom Unlimited Credit Card directly through the Chase Mobile App.
It’s quick, secure, and lets you complete the process anytime.
- Download the App: Get the Chase Mobile App from Google Play or the App Store.
- Sign In or Register: Log in with your existing Chase account or create a new one.
- Select Apply Option: Tap “Apply for a Credit Card” and choose Freedom Unlimited from the list.
- Enter Details: Fill in your personal, employment, and financial information.
- Review Terms: Check the APR, fees, and privacy policy before confirming.
- Submit Application: Tap “Submit” and wait for instant or emailed approval results.
Rates, Fees, and Important Terms
Before applying for the Freedom Unlimited Credit Card, it’s essential to know the main rates and fees.
Understanding these helps you manage your account wisely and avoid extra costs.
- Introductory APR: Enjoy 0% APR for 15 months on purchases and balance transfers.
- Regular APR: After the intro period, a variable rate of 20.49%–29.24% applies based on creditworthiness.
- Balance Transfer Fee: A 3%–5% fee applies depending on the transfer amount.
- Cash Advance Fee: Charged at 5% or $10 minimum, whichever is greater.
- Foreign Transaction Fee: 3% fee on international purchases made in foreign currency.
- Late Payment Fee: Up to $40 if you miss your due date.
- Returned Payment Fee: Up to $40 if a payment fails to process.
- Annual Fee: None, so all rewards earned go directly to you.
Using Your Card Abroad and for Travel
The Freedom Unlimited Credit Card is widely accepted worldwide, making it convenient for international travelers.
It offers security and travel-friendly features that help you spend confidently wherever you go.
- Global Acceptance: Use your card anywhere Visa is accepted, including hotels, restaurants, and stores abroad.
- Currency Conversion: Purchases are automatically converted to U.S. dollars at competitive exchange rates.
- Travel Protection: Enjoy trip cancellation and interruption insurance when you pay with your card.
- Auto Rental Coverage: Get collision damage waiver on eligible rental cars when you decline the rental company’s insurance.
- Fraud Monitoring: Real-time fraud alerts and zero liability protection safeguard your account from unauthorized use.
- Foreign Transaction Fee: A 3% fee applies to international purchases in foreign currencies.
- Travel Notifications: Use the Chase Mobile App to notify the bank of your travel plans for smooth transactions.
Managing Your Account After Approval
Once your Freedom Unlimited Credit Card is approved, managing it properly helps you stay organized and build a strong credit history.
The Chase Mobile App and online portal make this easy.
- Register Your Card: Create or log in to your Chase online account to activate and manage your card.
- Use the Mobile App: Track purchases, payments, and rewards from your smartphone anytime.
- Set Up Alerts: Enable payment reminders and spending alerts to avoid missed due dates.
- Schedule Payments: Choose automatic or manual payments to keep your account current.
- Monitor Rewards: Check your cashback balance and redeem points for travel or statement credits.
- Update Information: Keep your address, email, and contact details current in your profile.
- Check Statements: Review monthly statements to monitor transactions and detect unauthorized activity.
Contact and Support Information
If you need help with your Freedom Unlimited Credit Card, you can reach Chase Customer Service through the verified contact options below.
- Customer Service Phone: Call 1-800-432-3117 for assistance with your credit card account.
- Mailing Address: Send correspondence to Cardmember Services, P.O. Box 15298, Wilmington, DE 19850-5298.
- Lost or Stolen Cards: Report immediately through the Chase Mobile App or by calling 1-800-955-9060.
- International Calls: Dial 1-302-594-8200 if you’re outside the United States.
To Conclude
The Freedom Unlimited Credit Card offers simple rewards, flexible redemption options, and no annual fee—making it ideal for everyday use.
With easy application methods and strong security features, it’s a practical choice for managing daily expenses.
Apply today through Chase’s official platform and start earning cashback from your very first purchase.
Disclaimer
The Freedom Unlimited Credit Card gives you simple cashback rewards, no annual fee, and easy account management.
Apply now through Chase’s official website and start earning rewards on your everyday purchases.
