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Chase Freedom Unlimited is the best choice for those looking for a credit card that offers benefits on travel and shopping. With its cashback and travel protection, among other advantages.
We’ve reviewed Chase Freedom Unlimited , focusing on its key features, from travel insurance to extended warranty coverage and its interest rates and fees.
You’ll learn all about the benefits of Chase Freedom Unlimited, such as optimizing your rewards, choosing from similar card options, and making sure you’re getting the most out of your credit card.
Benefits of Chase Freedom Unilimited
1. Travel benefits
Chase Freedom Unlimited offers excellent advantages when it comes to travel. The first of these is trip cancellation and interruption insurance, which reimburses cardholders up to $1,500 per covered traveler and up to $6,000 per trip. That way, if you need to cancel or interrupt the trip due to unforeseen events, you get the money back.
Secondly, Chase Freedom Unlimited offers 5% cashback on all hotel bookings made through the Chase Travel platform.In addition, it has car rental coverage, through which it can refuse insurance at the car rental company. Because when you pay with Freedom Unlimited, you get theft or collision protection for most rental vehicles. Thus, it saves a good amount as car insurance is usually expensive.
So, if you are traveling and want to have security and money back, without a doubt, this is an excellent credit card, but its benefits go beyond those aimed at leisure time, keep reading.
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2. Shopping Perks (Chase Freedom Unilimited)
In addition, purchase protection covers new purchases against damage or theft for up to 120 days from the date of purchase. Remembering that each item should cost a maximum of US$ 500.00.
It also has extended warranty protection, which adds an extra year of coverage after the manufacturer’s warranty expires in the U.S. for products with a warranty of up to three years.
Thus, your purchases will always be protected, leaving you more relaxed in your purchases.
Rates of Chase Fredom Unlimited
Chase Freedom Unlimited offers attractive interest rates, with a regular APR ranging from 19.49% to 28.24%. However, it also offers attractive promotional rates for new customers, for example:
- 0% APR on purchases for 15 months.
- 0% APR on balance transfers for 15 months, allowing you to transfer balances from other cards interest-free during that time.
As for applicable fees, Chase Freedom Unlimited has the following conditions:
- Annual fee: $0, i.e., you don’t have to pay an annual maintenance fee to use the card;
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater.
- Overseas purchase transaction fee: 3% on the value of each transaction made in U.S. dollars.
These fees make Chase Freedom Unlimited an excellent choice for those seeking benefits with no annual fees and promotional APR offers.
How to Maximize Chase Freedom Unilimited Unlimited Rewards
To maximize the unlimited rewards of Chase Freedom Unlimited, follow these strategic tips that will help you reap the maximum benefits:
- Make Freedom Unlimited your default card. Whether it’s in your physical or digital wallet, or even connected to your Amazon account, we recommend that you use Freedom Unlimited as your primary card. That way, in the long run, it will increase your limit;
- Combine points with a Chase Sapphire card. By combining the accumulated points with a Chase Sapphire card, you can redeem your rewards for a higher value;
- Capitalize on the welcome bonus. This card offers a series of bonuses in the first few months. Pay attention to these points so that you can make the most of your credit card.
- Take advantage of the Getting Started APR offer. If you need time to pay for a large purchase, the 0% Intro APR offer is an excellent opportunity to shop without worrying about interest.
Chase Freedom Unlimited or Chase Freedom Flex?
The choice between Chase Freedom Unlimited® and Chase Freedom Flex depends on several factors, we will cover the main ones.
Chase Freedom Flex has more rewards on card purchases, for example 5% cash back up to $1,500 on combined purchases in categories that change quarterly, 3% at restaurants and pharmacies, and 1% on all other purchases
Chase Freedom Unlimited®, on the other hand, is simpler to use, offering 1.5% unlimited cashback on all purchases without the need for activation or specific categories
Is it easy to get Chase Freedom Unlimited?
Getting Chase Freedom Unlimited is easy as long as you have good or reasonable credit. Although Chase does not specify the exact credit score, if you usually have between 600 and 750 points, the chance of getting the card is high.
Especially if you’ve been approved for other credit cards in the past, this can also be a good indication that your credit score is up to standard.
However, it is important to be aware of the Chase 5/24 rule, which states that you cannot have opened more than 5 credit accounts in the last 24 months. If you have exceeded this limit, your request may be denied, regardless of your credit.
Conclusion
Chase Freedom Unlimited is an option for those looking for a credit card with travel and shopping benefits, as well as attractive interest rate conditions. With rewards on all purchases, protection against damage and theft of purchased products. In addition, in addition to travel insurance, the card offers a combination of convenience and security.
To maximize your rewards, using the card as your main and combining points with a Chase Sapphire can yield even more benefits. In addition, if you are looking for a card with no annual fees, with promotional APR and purchase protection. All in all, Chase Freedom Unlimited is a great alternative, especially for those who have a good credit score.
If you still have doubts about whether this credit card is for you, we recommend that you learn about other options. That way, from the comparison with several credit cards, you can make a better choice, we recommend that you get to know credit cards for beginners.
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