Essential Insights Before Applying for the Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited Credit Card provides unlimited cashback rewards kicking off at 1.5% on every purchase made!

Chase’s credit card selection is solid, with backing from JPMorgan, making the Freedom Unlimited a great entry point into the brand.

Regarding cashback, it offers 1.5% on all purchases, 3% at restaurants and drugstores, and 5% for travel booked via Chase Travel.

In terms of fees, the Chase card has no annual maintenance fee and includes a 0% introductory APR for 15 months after signing up for purchases and balance transfers.

The card features an attractive $200 cash bonus after spending $500 within the first 3 months of opening the account, assuming you haven’t received this bonus in the past 24 months.

It’s also worth noting that rewards never expire, allowing you to redeem them anytime during your account’s life, with no minimum value required. You can redeem them via direct deposit, statement credit, Amazon.com points, gift cards, or travel rewards through Chase Travel. 

You can start using the card as soon as you sign up because Chase provides an instant digital version. If you think Chase has great perks, keep reading.

Who is Eligible to Apply?

Getting approved for the Chase Freedom Unlimited card can be challenging since it requires a solid credit score.

To have a reasonable chance of being approved for the Chase Freedom Unlimited, applicants typically need a FICO credit score of at least 700.

While the exact requirements for credit cards targeting individuals with solid credit may differ, these guidelines offer a practical range of FICO scores to keep in mind, though they can change.

Additionally, to qualify for the card, applicants must be legal residents of a North American country and at least 21 years old, which significantly affects their chances of getting the Chase credit card.

Income is also a crucial factor, as applicants need to show an annual income that aligns with the credit limit they’re requesting.

How Can I Apply for the Chase Freedom Unlimited Card?

The online application process for the Chase Freedom Unlimited card is quite similar to that of many other credit cards.

If you already have a Chase account, you can opt to apply as a guest, which might speed things up (though creating a new account takes about the same time).

No matter how you choose to apply, you’ll need to provide some personal information.

The application may take a bit longer than usual, but it’s not overwhelming, especially since this card is designed for those with excellent credit.

During the application, you will be asked to provide various personal and financial details, including your full name, address, parents’ names, social security number, phone number, job status, and yearly income.

Once you submit your application, there’s a waiting period while it gets reviewed to check if you qualify for the card.

Additional Information

Chase provides excellent perks, particularly around services and protections, including around-the-clock fraud monitoring, extended warranty coverage, and no liability for unauthorized charges.

You also get trip cancellation and interruption insurance with up to $1,500 reimbursement per person and $6,000 per trip, along with support from a Benefit Administrator for medical and legal advice. 

Credit Journey keeps an eye on your credit score, giving you insights and security measures.

Chase customers can also benefit from partnerships with companies like Lyft, Doordash, and Instacart+.

In case of any issues, Chase provides multiple ways to contact and assist customers.
However, all requests will depend on the bank’s availability, even if you meet all the criteria set for the card.

Interested in Exploring Other Options?

The Wells Fargo Active Cash credit card offers a generous 2% cashback on all qualifying purchases with no limits.

If the Wells Fargo card catches your eye because of its benefits, you can find out how to apply.