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April 13, 2018

Chase Freedom Unlimited Benefits

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.
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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

  • 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
  • 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
  • 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

Chase Freedom Unlimited Top Benefits

With the Chase Freedom Unlimited, your benefits will differ slightly based on whether you are issued a Visa Platinum or Visa Signature. This decision is usually based on your credit. Visa Signature cardholders get some extra benefits, which we'll go over in the next section.

First, here's what 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.

Visa Signature Benefits

Visa Signature cardholders have a few more travel benefits. They include:

  • Lost Luggage Reimbursement
    You and your immediate family members can be reimbursed for check-in or carry-on luggage that is damaged or lost by the carrier. You can get up to $3,000 per passenger (up to $500 per person for jewelry, watches, and electronics).

  • Trip Cancellation/Interruption
    If you've paid for your trip with the card, you can get reimbursed up to $5,000 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.

    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.

  • Travel Accident Insurance
    When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage up to $250,000. This insurance is also provided to your immediate family members.

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.

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

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