Question 1

Does the Chase Freedom Unlimited have foreign transaction fees?

Accepted Answer

Yes, the Chase Freedom Unlimited charges a 3% foreign transaction fee on all purchases made outside the US or in a foreign currency. This applies to in-store purchases abroad and online orders from international merchants. For international spending, use a card that waives this fee.

Question 2

Is the Chase Freedom Unlimited a good credit card?

Accepted Answer

The Chase Freedom Unlimited is one of the best no-annual-fee credit cards in the US. It offers a $250 sign-up bonus, 1.5% cash back on all purchases, 3% on dining and drugstores, and a 0% intro APR for 15 months. It becomes even more valuable when paired with a premium Chase card for transfer partner access.

Question 3

What is the Chase Freedom Unlimited?

Accepted Answer

The Chase Freedom Unlimited is a no-annual-fee credit card that earns Chase Ultimate Rewards points on every purchase. You earn 5% on Chase Travel, 3% on dining and drugstores, and 1.5% on everything else. Points can be redeemed for cash back, gift cards, travel, or transferred to airline and hotel partners through a premium Chase card.

Question 4

Does the Chase Freedom Unlimited have rental car insurance?

Accepted Answer

Yes, the Chase Freedom Unlimited includes secondary rental car insurance. When you decline the rental company's collision coverage and charge the full rental to your card, you receive coverage for theft and collision damage. In the US, this coverage is secondary to your personal auto insurance policy.

Question 5

Does the Chase Freedom Unlimited have an annual fee?

Accepted Answer

No, the Chase Freedom Unlimited has no annual fee. You keep the card long-term without paying a yearly cost, and your rewards earnings are profit from day one. This is one of the reasons it ranks among the best no-annual-fee credit cards available.

Question 6

Can you transfer Chase Freedom Unlimited points to airlines?

Accepted Answer

Not directly from the Freedom Unlimited alone. However, if you also hold a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you can pool your Freedom Unlimited points and transfer them to 13 airline and hotel partners at a 1:1 ratio. Partners include United MileagePlus, World of Hyatt, Air Canada Aeroplan, and more.

Question 7

What is the Chase Freedom Unlimited sign-up bonus?

Accepted Answer

The Chase Freedom Unlimited currently offers a limited-time $250 bonus (25,000 Ultimate Rewards points) after you spend $500 on purchases in the first three months. The standard offer is $200 (20,000 points). Chase has not set a public end date for the increased promotion.

Question 8

How does the Freedom Unlimited compare to the Freedom Flex?

Accepted Answer

Both cards have no annual fee and earn Chase Ultimate Rewards points. The Freedom Unlimited earns 1.5% on all non-bonus spending, while the Freedom Flex earns only 1% but offers 5% on rotating quarterly categories (up to $1,500 per quarter). The Freedom Unlimited is simpler — no category activation required — while the Freedom Flex rewards cardholders who track quarterly bonus categories.