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Updated August 24, 2018

Chase Freedom Unlimited Benefits

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Besides an unlimited 1.5% cash back on all purchases, Chase Freedom Unlimited offers valuable benefits. Don't overlook them.

Chase Freedom Unlimited is a popular cashback card. It gives you a flat, unlimited 1.5% cash back on every purchase.

It also has a few travel and purchase protections that you should know about. Read on to learn about them.

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Chase Freedom Unlimited Overview

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

Don't have the Chase Freedom Unlimited yet? Click here to visit Chase's secure website for the online application.

Chase Freedom Unlimited Top Benefits

All cardmembers get:

  • Purchase Protection
    If an item is damaged or stolen within 120 days from purchase, you can be reimbursed up to $500 per claim, with a max of $50,000 per account. This is for eligible purchases made in the U.S. The Benefit Administrator will determine if the item is to be repaired, replaced, or reimbursed. If the item was stolen, you must file a police report within 48 hours of the theft.

  • Extended Warranty
    For eligible purchases with a U.S. warranty of 3 years or less, you get an additional one year warranty added. You must have purchased the item with the card. You get up to $10,000 per claim, with a maximum $50,000 per account. And make sure you keep the receipts.

  • Secondary Car Rental Insurance
    You get collision and theft coverage when you decline the rental company's insurance. You are covered up to the actual cash value of the car, within the U.S. and abroad. Secondary coverage means Chase will pay any extra fees that your primary insurance doesn't cover.

  • Trip Cancellation/Interruption
    If you've paid for your trip with the card, you can get reimbursed if your eligible trip is interrupted by weather, illness, or other covered circumstances. This applies for pre-paid, non-refundable expenses, including airfare, hotels, and tours. You can be reimbursed up to $1,500 per person, up to a max of $6,000 for all people traveling on the same trip.

    Your immediate family members are also covered even if you're not traveling with them, as long as the travel arrangements were charged to the card.

  • Emergency Assistance Referral
    If you ever need any emergency help while away from home, Chase will provide referrals and assistance for free. The services include:

    • Referring you to English-speaking doctors or hospitals
    • Referring you to English-speaking attorneys or U.S. embassies or consulates
    • Arranging for emergency transportation home or to a hospital
    • Transporting vital documents you may have left at home
    • Arranging for delivery of a replacement ticket

    You will have to pay for the cost of any services. But the assistance and referrals are free of charge.

  • Roadside Dispatch
    If you ever find yourself needing help on the side of the road, there is a 24-hour hotline. You will be charged a flat fee for the service (additional fees may apply in certain circumstances). Services include:

    • Towing up to 5 miles
    • Jumpstarting
    • Tire change (provided you have a spare)
    • Locksmith services
    • Gas fill-ups up to 5 gallons

    The number is 1-800-847-2869.

How to Make the Most of the Card

The Chase Freedom Unlimited has great potential to be a primary card, since you get a flat reward on every purchase. But you can get more out of it with by pairing it with another card. Chase Ultimate Rewards allows you to combine points between cards. By doing so, you can earn and use points in a way to get the most value.

  • Pair with Chase Freedom for maximum cash back.
    Chase Freedom offers 5% cashback bonus categories that change every quarter. So you can use it on 5% category purchases, and the Chase Freedom Unlimited on everything else. This strategy will allow you to get the most cash back possible. The Freedom also has no annual fee.

  • Pair with a Sapphire card for travel at greater value.
    The Sapphire Cards (Sapphire Preferred and Sapphire Reserve) allow you to redeem points for travel on the Chase travel portal at greater value. Plus, you can also transfer points to airline and hotel partners. If you have one of these cards, you can combine your Freedom Unlimited points onto it. You'll be able to use your points at greater value.

  • Shop through Chase for bonus points. Chase has a great online shopping portal where you can earn bonus points at over 200 partner merchants. This will allow you to earn more than just 1.5% cashback on your purchase. Remember to check if your store is listed when you buy something online.

Common Questions

Is Chase Freedom Unlimited a good credit card?
The Chase Freedom Unlimited is a good all-around spending credit card, because you get a flat rate cash back on everything. 1.5% cash back may not the highest earn rate (compared to other cards with more bonus cashback in certain categories). But it's good if you have varied spending.

What does it mean to earn 1.5% cash back?
For every purchase you make, you earn 1.5% of it back ($100 in purchases would earn you $1.50). For Chase Freedom Unlimited, your rewards come in the form of points. You get 1.5x points for each purchase ($100 = 150 points). You can then redeem the points for cash back, gift cards, or travel at 1 point = 1 cent.

Does my Chase Freedom Unlimited have rental car insurance?
The Chase Freedom Unlimited provides secondary coverage for theft and collision for car rentals. This means the insurance only pays out after other forms of insurance. To receive this benefit, you must pay for the entire eligible car rental with the card and decline the rental company's insurance.

What is a secondary insurance policy?
Secondary coverage means the insurance covers what the primary insurance doesn't. So Chase will pay extra fees that your own primary insurance doesn't cover. For example, this secondary benefit can cover your deductible (or any other out-of-pocket costs).

If you have no other insurance or are renting a car overseas, then you'll receive the full coverage.

Is there a foreign transaction fee on Chase Freedom Unlimited?
Yes. There is a 3% foreign transaction fee for purchases made out of the U.S. (charging $100 on the card will add an extra $3).

If you frequently travel abroad, the Chase Sapphire Preferred may be better for you as it has no foreign transaction fee.

Does Chase Freedom Unlimited have an annual fee?
No. There is no annual fee. So all your cashback earnings go straight into your pocket.

Does Chase Freedom Unlimited have travel insurance?
All cardmembers get trip cancellation & trip interruption insurance for up to $1,500 per person ($6,000 per trip). This reimburses pre-paid, non-refundable costs (flights, hotels, tours), if you need to cancel a trip due to a covered circumstance.

Note: Visa Signature cardholders used to also have lost luggage reimbursement and travel accident insurance. These benefits have been discontinued as of 8/26/18.

Bottom Line

For a card with no annual fee, the Chase Freedom Unlimited offers great benefits. Don't forget about them as you're using your card. They can help you save money and get greater peace of mind.

Restrictions, limitations and exclusions apply. There may be time limits and documentation requirements. Please check with the issuer's guide to benefits for a full explanation.

Next Step: View the issuer's official application, terms, and details

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on April 13, 2018. This content may have been updated on August 24, 2018. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Chase Freedom Unlimited
Apply for Chase Freedom Unlimited
At Chase's Secure Site
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.74% - 25.49% Variable
$0

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