The Chase Freedom Unlimited® card is a standout among cashback credit cards.
Known for its flat-rate rewards, valuable bonus categories, and no annual fee, it appeals to both beginners and experienced cardholders.
Whether you’re a Chase client or applying as a guest, this guide will walk you through every step to request your card and maximize its features.
Why the Chase Freedom Unlimited® Card is Worth Considering
Here’s why this card remains a strong pick in 2025:
- Unlimited 1.5% Cashback: You earn 1.5% cash back on all purchases—simple and automatic.
- Bonus Categories: 5% cash back on travel booked through Chase Travel, 3% on dining (including eligible delivery services), 3% on drugstore purchases
- Welcome Offer: Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Intro APR: Enjoy 0% intro APR for 15 months on purchases and balance transfers.
- No Annual Fee: This makes the card ideal for everyday use and long-term retention.
As you see, this card is a solid choice for getting more than you expend for it. The cashback and savings are valuable options to take care of your wallet.
Who Can Apply?
You can apply for the Chase Freedom Unlimited® whether you are:
A Chase client: If you already have an account with Chase (e.g., checking, savings, mortgage), you may experience a quicker application process via the Chase dashboard.
A guest (non-client): Even without an existing Chase relationship, you can apply using an online form that captures detailed personal and financial information.
Applying Online: Step-by-Step
Applying online is the most popular method. The process differs slightly depending on whether you’re a Chase client or a guest.
If You’re a Guest:
You’ll be asked to complete a detailed form broken into sections:
- Personal Information: Full legal name, date of birth, citizenship status
- Identification: Social Security Number (SSN), mother’s maiden name (for verification)
- Home Address: Current residence, duration of stay, housing status (own, rent)
- Contact Information: Email, primary phone number
- Financial Information: Total gross annual income, source of income, monthly housing payment
- Authorized User (Optional): You may add another person to use the card
- Certifications: Acknowledgement of terms and conditions, agreement to undergo a credit check
- Pricing & Terms: The application includes a summary of rates, fees, and penalties, which you must accept before submission
Once completed, submit the application. You may receive an instant decision, or a letter in 7–10 business days if further review is needed.
If You’re a Chase Client:
Log in to your Chase Online Banking, and pre-filled forms make the process faster.
Application status may appear in your account dashboard
Apply by Phone
Call the Chase Credit Card Services at: 1-800-432-3117 (U.S.)
Customer service is available 24/7, ready to guide and advise you during your application.
Apply In-Person at a Branch
Use the Chase branch locator to find a nearby location. Bring government-issued ID and proof of income.
Forms are typically filled in real time.
Interest Rates, Fees, and Other Costs
Understanding the costs of using the card is vital. Here’s a breakdown of current rates as of 2025:
- Introductory APR: 0% for 15 months from account opening on purchases and balance transfers.
- Standard APR: After the intro period, the variable APR ranges from 18.99% to 28.49%, based on creditworthiness.
- Balance Transfer Fee: Either $5 or 3% of the amount of each transfer (whichever is greater) during the first 60 days.
- Cash Advance Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
- Foreign Transaction Fee: None.
- Late Payment Fee: Up to $40.
- Annual Fee: $0.
All terms are subject to change, so always review the latest Pricing & Terms.
Customer Support and Mailing Address
Need help or want to reach Chase for further information?
- Credit Card Inquiries: 1-800-432-3117
- General Banking Support: 1-800-935-9935
- Visit: chase.com/digital/customer-service
- Chase Card Services P.O. Box 15298 Wilmington, DE 19850-5298
Tips Before You Apply
If you are considering acquiring this card, you must aim for a good or excellent score (typically 670+).
Ensure your reported income matches your documentation. False information will result in an immediate denial.
Compare with Other Chase Cards:
Chase Freedom Unlimited® vs. Chase Freedom Flex®
| Feature | Chase Freedom Unlimited® | Chase Freedom Flex® |
| Flat-Rate Cashback | 1.5% on all purchases | Only 1% on most purchases |
| Bonus Categories | 5% travel (via Chase), 3% dining & drugstores | Same as Unlimited + 5% on rotating quarterly categories (up to $1,500/quarter, activation required) |
| Annual Fee | $0 | $0 |
| Best For | Simplicity and consistent rewards | Maximizing bonus categories and rotating rewards |
- Choose Freedom Unlimited® if you prefer automatic rewards without tracking categories.
- Choose Freedom Flex® if you’re willing to activate and track quarterly bonus categories.
Chase Freedom Unlimited® vs. Chase Sapphire Preferred®
| Feature | Chase Freedom Unlimited® | Chase Sapphire Preferred® |
| Rewards Structure | Cashback (as Ultimate Rewards® points) | Points-based system (Ideal for travel) |
| Travel Redemption Value | 1:1 rate | 25% more value when redeemed through Chase Travel℠ |
| Bonus Categories | Travel, dining, and drugstores | 2x on travel, 3x on dining, select streaming services |
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | $200 (after $500 in 3 months) | 60,000 points (after $4,000 in 3 months) |
| Best For | General everyday purchases | Frequent travelers and point maximizers |
- Choose Freedom Unlimited® for cashback simplicity and no annual fee.
- Choose Sapphire Preferred® for enhanced travel rewards and redemption flexibility.
Conclusion
The Chase Freedom Unlimited is designed for users who want dependable cash back on every purchase, without the hassle of rotating categories or annual fees.
Whether you’re an existing Chase customer or applying as a guest, the process is smooth, transparent, and accessible.
Make sure to review the terms, compare cards, and prepare your documents before applying.
Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. All rates and offers mentioned are subject to change and depend on individual creditworthiness. For the most accurate and updated information, visit the official Chase Freedom Unlimited® page. Approval is based on Chase’s credit policies and applicant eligibility.
