Chase Freedom Unlimited® Credit Card Review (2025)
If you’re looking for a cash back credit card with no annual fee, the Chase Freedom Unlimited® might be one of the best options available in 2025. In this review, we’ll cover the card’s cash back rewards, APR details, fees, and special features—so you can decide if it’s the right credit card for your wallet.
💳 Key Features of the Chase Freedom Unlimited Card
The Chase Freedom Unlimited® credit card is known for its simplicity, flexibility, and consistent cash back rewards. Here’s what you need to know:
🔹 Flat-Rate and Bonus Cash Back
- 1.5% cash back on all purchases
- 3% cash back at restaurants and drugstores
- 5% cash back on travel booked through Chase Travel
These bonus categories make the Chase Freedom Unlimited® card a competitive choice among other cash back credit cards.
🕒 0% Intro APR Offer
Chase is currently offering a 0% intro APR for 15 months on both purchases and balance transfers. After the introductory period, a variable APR applies, ranging from 18.99% to 28.49%, depending on your credit profile.
- Balance Transfer Fee: $5 or 5% (3% if made within 60 days of account opening)
This intro APR offer can be helpful if you’re planning a big purchase or want to consolidate high-interest debt—just be sure to pay it off before the promotional period ends.
💰 Chase Pay Over Time: Flexible Financing Option
Chase includes a feature similar to Buy Now, Pay Later, called Chase Pay Over Time.
- During the 0% intro period, there is no monthly fee
- Afterward, you may be charged a monthly fee up to 1.72% of the purchase balance
- This fee stays the same each month until the balance is paid off
This can be useful for large purchases—especially if you know you’ll pay it off quickly—but it’s less favorable than traditional interest in the long term.
💵 Cash Advances and Penalty Fees
If you’re considering using the card like a personal loan, you can take out a cash advance, though it comes with steep costs:
- Cash Advance APR: 29.24%
- Cash Advance Fee: $10 or 5%, whichever is greater
Also, note the penalty fees:
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $40
Using this card for cash advances isn’t recommended unless you’re in a true emergency.
🔍 Should You Get the Chase Freedom Unlimited® Card?
Here are some pros and cons to help you decide:
✅ Pros:
- Competitive cash back rates
- No annual fee
- Long 0% intro APR period
- Simple rewards structure
- Access to Chase Pay Over Time
❌ Cons:
- Higher APR after intro period
- Fees on balance transfers and cash advances
- Monthly fee for Pay Over Time after intro period
If you have good to excellent credit and want a flexible, no-fee cash back credit card, the Chase Freedom Unlimited®is a solid option. It’s especially useful for people who spend frequently on restaurants, drugstores, and travel.
💡 Final Thoughts
The Chase Freedom Unlimited® credit card offers a blend of generous rewards, flexible features, and no annual fee—all backed by the trusted Chase credit card brand. Whether you’re planning to transfer a balance, finance a large purchase, or simply maximize your everyday spending, this card can deliver strong value.
If you found this review helpful and want to support our work at The Yukon Project, consider applying through our site. We’re not sponsored by Chase, but we may earn a referral fee if you apply using our link.
🔁 Compare Credit Cards Before You Apply
Before applying, we always recommend comparing other top cash back credit cards, low APR cards, and balance transfer offers to make sure you’re getting the best deal for your situation.
🗨️ Share Your Experience
Have you used the Chase Freedom Unlimited® card? Drop a comment below with your experience—what you love, what you don’t, and whether you’d recommend it to others.
