CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

September 9, 2018 12:00 PM PT

Chase Freedom Unlimited Credit Limit

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Many Chase Freedom Unlimited users receive a credit limit of $1,000 - $3,000. Find out how Chase determines your credit limit and how to get an increase.

© CreditDonkey

Chase Freedom Unlimited is a great everyday cash back card to have in your wallet.

You get an unlimited 1.5% cash back on all purchases, with no rotating categories and no annual fee. Plus, there's a long intro APR so you have time to pay off major purchases.

Maybe you're hoping to buy a new TV with the card. Or even fund a vacation or wedding expenses.

But how much of a credit limit can you expect to get? Will it be enough for what you want to buy?

Let's take a look at what kind of credit limit Chase Freedom Unlimited offers.

Chase Freedom Unlimited Credit Limit

The lowest limit reported by users is $500, while the highest is over $30,000.

Your chances for approval for the Chase Freedom Unlimited card are good with a decent credit score. It also has a pretty good reputation for awarding respectable initial credit limits.

In general, the limits mostly fall in the $500 - $10,000 range, with the majority receiving between $1,000 and $5,000. The average credit limit given seems to be approximately $3,000.

How to Get Approved for Chase Freedom Unlimited:

  • Have a good credit score (usually 680+).
  • Keep your credit utilization ratio low on your other credit cards (preferably less than 30%).
  • Don't open too many new credit cards. If you have opened more than 5 card accounts in the past 24 months, you will not be approved.

Ready to apply? Check out the latest Chase Freedom Unlimited promotion.

Let's take a look at how Chase determines your credit line.

Factors That Determine Your Credit Limit

Of course, your credit score will be one of the first things Chase look at.

But having a high credit score doesn't automatically mean you'll get a high credit limit. Some people with lower scores have gotten a credit limit even higher than those with an excellent score.

For example, a user with a credit score of 650 was approved for a $3,000 credit limit, while another user with a credit score of 730 was approved with just a $500 credit limit. How come?

It's because there are other factors Chase considers when deciding your credit limit.

  • Your length of credit history. If you're still relatively new to credit (less than 6 months), you may not receive a high credit limit even if you have a good score. A lot of users with young credit histories report low credit limits from $500 to $1,000.

  • Your payment history. If you've missed or made late payments in the past, or carry a balance, Chase may not be comfortable giving you a higher credit limit.

    If you're lucky to be approved for the card at all, it's most likely that you'll receive a small limit until you prove that you can use the card responsibly.

  • Your income. Those with higher incomes are more likely to receive a higher credit limit, since their income can support higher payments. People with 2 sets of income in the family may get a higher credit limit too.

  • Credit limit on other cards. If you have other credit cards, Chase may follow the lead of what other banks gave you. If other banks trusted you with high limits and you've been a good user, then Chase will be more likely to trust you too.

How to Get a Credit Limit Increase

If your initial credit limit given is very low, don't worry. There are ways to get it increased over time.

  • Automatic credit limit increases. If you have been using your card responsibly for several months, Chase may automatically award you an increase. Using your card responsibly means:

    • You make your payments on time each month
    • You pay off your card in full each month
    • You keep your credit utilization low, ideally at 30% or below (i.e., you don't max out your card)

    Some users have reported that they got automatic increases within months. Others have waited a year or more with no increase. If you have not gotten an increase after 6 months, you can try our next step.

    Also remember to update any salary increases on your profile. A higher salary may make Chase see that you can afford a higher credit limit.

  • Ask Chase directly. If you've been using your card responsibly for at least 6 months, you can just call the number on the back of your card and ask for your credit limit to be increased. Most users have reported positive responses when they called in to ask.

    • The best time to ask is when you have paid off your balance.
    • Explain why you want the increase (e.g., you want to use this as your primary card).
    • Know how much you want. Be reasonable.

    Note that Chase will need to check your credit again. This will trigger a hard pull, which will ding your credit a little.

  • Ask to transfer credit limit between cards. If you have more than one Chase card, you can ask to transfer part of the credit limit from one to the other. This way, the total credit Chase extends you remains the same.

    Some people also open up a new Chase card, and then ask to move the credit limit over to the card they want the higher limit on.

  • Ask for credit limit increases on your other cards. This is helpful overall, because when your credit limit increases on other cards, your credit utilization ratio goes down. This helps to improve your credit score, which makes it easier to get a credit limit increase from Chase.

Bottom Line

Chase Freedom Unlimited card is not the hardest card to get. Your credit limit will depend on how well you've been handling credit in the past. Even if you receive an initial low limit, you can always ask for a credit line increase after you've proved to be a responsible user.

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 September 9, 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.

Editorial Note: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

More from CreditDonkey:


Chase Freedom Unlimited Review


Chase Freedom Unlimited Credit Score


Chase 5/24 Rule

More Articles in Money Tips

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 16.99-25.74%. 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
16.99% - 25.74% Variable
$0

Compare Chase Freedom Unlimited to:

Compare Chase Freedom Unlimited vs Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Compare Chase Freedom Unlimited vs Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Compare Chase Freedom Unlimited vs Blue Cash Everyday

Blue Cash Everyday® Card from American Express


Chase Sapphire Preferred Review

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

    Credit Card Deals with No Annual Fees

    For your next credit card, you want a lucrative deal. What you don't want is to pay for the privilege with an annoying and pricey annual fee. We canvassed current offerings by credit card companies on CreditDonkey for the cash back, reward points, balance transfers, low interest, and small business offers you should consider.

    Cash Back Rewards

    We think you'll agree with us when we say ...

    Airline Rewards

    The best airline credit card racks up miles fast with reasonable fees and amazing rewards.

    Credit Card Deals

    Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Credit Card Bonus Offers

    Looking for a new credit card? Earn extra cash, reward points, and airline miles with these bonus offers for new customers.

    Best Credit Cards

    Here are the CreditDonkey picks for "Best Credit Cards" from our partners in the following categories ...

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

    Balance Transfer

    Here are three factors to keep in mind when choosing the right balance transfer credit card for your wallet ...
    How to Pay Off Credit Cards

    How to Pay Off Credit Card Debt Fast

    Balance transfers can help you pay off credit card debt faster. Read on to learn how to shrink your balance and pay less interest.

    Passive Income: Practical Ideas to Build Wealth

    Want to make passive income? Here are 24 passive income opportunities and investments you can start today. Find the best ideas to build real wealth.

    Best Credit Card for First-Time Applicants

    Learn how to get a credit card for the first time. Read this guide to find out which cards are the best and how to avoid common mistakes beginners make.

    Victoria's Secret Credit Card: What to Know Before You Apply

    Do most of your mall visits include a must-have stop Victoria's Secret? Do you have enough VS totes stored away that you could pack your lunch in one every day for a month? If so, the luxury lingerie retailer's Angel credit card might be worth a look.

    Can You Pay a Credit Card Bill with Another Credit Card?

    Paying a credit card with another card sounds like a great idea if you're struggling to pay your balance. But it's not as easy as it sounds. Here's what you need to know.

    Starter Credit Cards: What's a Good Starter Card?

    Are you ready for your first credit card? It is possible to get a card even with no credit. Read on for your options and our top card recommendations.

    Comenity Bank Credit Cards: What You Need to Know

    Comenity Bank's 155+ store credit cards are often easy to obtain. But which one is right for you? Read this guide to learn how to apply for the best Comenity Bank credit card.

    23 Best Ways to Use Chase Ultimate Rewards

    Redeem Chase Ultimate Rewards points for the most value. This guide highlights some of the best redemption opportunities with Chase points and airline transfer partners.

    Chase Credit Limit Increase

    Need a higher credit limit on your Chase card? It's easier than you think. Here are the different ways you can get a credit line increase.

    Walmart Credit Card Review

    Is the Walmart Credit Card worth applying for? Read this expert review and comparison of the Walmart store card and Walmart MasterCard before you apply.

    Credit Cards for Young Adults

    The best credit cards for young adults have good rewards and benefits but low fees. Use this must-read guide to help narrow down your search.

    Chase 5/24 Rule: What You Need to Know

    Applying for a new Chase card? Not so fast. The 5/24 rule can make you ineligible. Learn what the Chase 5/24 rule is and which credit cards are impacted.
More Articles in Money Tips








About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.