Chase is one of the most competitive players in the banking industry. Their products cater to a wide range of people’s needs, but the eligibility can be quite strict.
If you are new to reward systems and points, this can be an excellent option. There are numerous opportunities for cashback, even on general purchases.
Chase Freedom Unlimited is a compelling offer when it comes to interest rates and maintenance fees. Here’s how to get a Chase Freedom Unlimited credit card!

Fees and Interest
Chase Freedom credit card does not only have an annual fee but also comes with an introductory offer in terms of APR. The rate is 0% for the first 15 months and, after that, the interest rate can be between 14.99% and 23.74%. It is set during the application process depending on your creditworthiness.
It is important to keep in mind that the APR for purchases will be incurred only if you fail to cover your outstanding balance within 21 days after the close of the billing cycle. As a result, you won’t pay any APR as long as you cover the entire balance by its due date. Fortunately, there is no minimum interest charge.
While the balance transfer has the same APR as purchases, the cash advance is 24.99%. In terms of fees, there are a few, but there are no annual fees, over-the-credit limit fee, or return check fee.
- 5% or $5 for balance transfers, depending on which one is higher
- 5% or $10 for all cash advances transactions, depending on which one is higher
- Foreign transactions are charged with 3% of the amount
- Late payment fee is a maximum of $39
- Return payment fee is a maximum of $39
How to Apply
Chase is a highly reputable banking institution, and most of its cards and services require a higher credit score. Although Chase Freedom Unlimited can be accessible to people with a minimum of 670 score, this can result in a considerably higher interest rate. In addition to this, all applicants must be at least 18 years old.
In order to apply, you must access the Chase website. Go to the application, add your personal information, such as full name and contact details, and then provide your financial information. This includes your monthly income, mortgage payments or rent, and more.
The application finally requires the Social Security Number. For security purposes, you also need to add your mother’s maiden name. Finally, review all the information and submit the application.
If you provided all the correct information, your application could be approved within minutes. After that, you will receive the card via mail within 10 business days.
Bank Contact Details
For more details, you can contact the bank representatives at 1-800-935-9935, or you can visit a local branch.
The Chase Bank is headquartered at 270 Park Avenue, New York, NY, 10017.
Features and Benefits
There are numerous benefits of the Chase Freedom Unlimited credit card. There is a signup bonus of $200 in cash if you spend $500 in the first 90 days after opening your account. In addition to this, you earn 5% on all of your grocery shopping up to $12,000 in the first year.
After that, the reward rate decreases to 1.5%, but this means an $800 cash bonus in the first year.
The card is excellent for Lyft customers because all the qualifying rides through the app have a 5% reward rate until March 31, 2022. The qualified rides are shared, classic, XL, or lux, but also scooter and bike rides, membership, and subscription.
Another method to get 3% cashback is to spend on dining at restaurants, including delivery and takeout, purchasing items at drug stores. All the other purchases earn you 1.5%, which means $1.5 cashback for each $100 spent.

Summary
Chase Freedom Unlimited offers one of the most generous welcome bonuses that sums up to $800 for the first year. After that, its generous 1.5% cashback rate on all purchases makes it a great financial product, especially considering it has no annual fee.
As long as you cover the entire outstanding balance, you won’t have to pay interest, which can be quite high if you have a lower credit score.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.