See How to Apply for a Chase Freedom Unlimited Credit Card

What do You Need to Know Before Applying for the Chase Freedom Unlimited Credit Card?

The Chase Freedom Unlimited Credit Card offers unlimited cashback rewards starting at 1.5% for all purchases with the card!

Chase’s credit card lineup features good options backed by JPMorgan, and a good choice for getting into the brand is the Freedom Unlimited.

In terms of cashback, it provides 1.5% on all purchases, 3% at restaurants and drugstores, and 5% on travel purchased through Chase Travel.

As for fees, Chase does not charge an annual maintenance fee and also offers a 0% introductory APR for 15 months fromthe date of contract signing for purchases and balance transfers.

The card offers an exclusive $200 cash bonus after spending $500 on purchases within the first 3 months of account opening with Chase, provided you haven’t received a bonus for this line in the last 24 months.

Another important point is that rewards never expire, and you can redeem them throughout the life of the account, with no minimum value, through direct deposit into your account, statement credit, points on Amazon.com, gift cards, and travel with Chase Travel. 

You can start using the card immediately upon signing up, as Chase provides the digital version instantly. So if you believe Chase offers good benefits, keep reading.

Who can Apply?

Securing approval for the Chase Freedom Unlimited card may present difficulties as it necessitates maintaining a good credit score.

Prospective applicants typically need to possess a FICO credit score of at least 700 to stand a reasonable chance of being approved for Chase Freedom Unlimited.

While the specific criteria for credit cards catering to individuals with strong credit can vary, these requirements provide a practical range of FICO points to consider, albeit subject to change.

Moreover, to qualify for the card, individuals must be legal residents of a North American country and be at least 21 years old, as this is a crucial criterion for enhancing the likelihood of obtaining the Chase credit card.

Income also plays a significant role, as applicants must demonstrate an annual income that corresponds to the required credit limit.

How do I Apply for the Chase Freedom Unlimited Credit Card?

The online application process for the Chase Freedom Unlimited card follows a similar format to that of most other cards.

For those with an existing Chase login, there is an option to apply as a guest on the Chase website, which may potentially expedite the process (although setting up a new account takes nearly the same amount of time).

Regardless of the chosen method, certain personal details will be required.

While the application process may take slightly longer than usual, it is not particularly daunting, especially considering that this credit card is tailored for individuals with excellent credit.

During the application, various personal and income-related details will be requested, including full name, complete address, parents’ names, social security number, phone number, employment status, and gross annual income.

After submission, there is a waiting period while the application undergoes review to determine eligibility for the card.

More Details

Chase offers great benefits, especially regarding services and protections, such as 24/7 fraud monitoring, extended warranty protection, and zero liability for unauthorized purchases.

Additionally, you have trip cancellation and interruption insurance up to $1,500 reimbursement per person and $6,000 per trip, with Benefit Administrator assistance for medical and legal guidance. 

Credit Journey periodically monitors your credit score, providing insights and security protections.

Chase customers can also enjoy partner benefits with companies like Lyft, Doordash, and Instacart+.

In this regard, in cases of issues, Chase offers various ways of contacting and supporting the customer.
However, any and all requests made to Chase will be subject to the bank’s availability, even if the customer meets all the criteria provided and suggested for the card.

Want to learn another option?

The Wells Fargo Active Cash is a credit card quite similar, offering 2% cashback on all eligible purchases and in an unlimited manner.

Therefore, if the Wells Fargo option seems more appealing due to its conditions, you can see in more detail how to apply.

Written by

Gabriel Gonçalves