Chase Freedom Unlimited Credit Card Apply And Offer Details
Chase Freedom Unlimited Credit Card Overview
Earn unlimited cash back.
Earn unlimited 1.5% cash back on every purchase. No minimum to redeem for cash back. *See Offer Details
APR
0% intro APR for 15 months from account opening on purchases. *See Pricing and Terms.
After the intro period, a variable APR of 14.99%-23.74%. *See Pricing and Terms.
ANNUAL FEE
$0 *See Pricing and Terms.
Apply for Chase Freedom Unlimited credit card here:
Chase Freedom Unlimited credit card Offer Details
Chase Freedom Unlimited Card
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. For pricing details, please see Pricing & Terms. For benefits details, please read your credit card benefits materials which will be mailed after your account is established.
$200 Bonus
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous card members of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
Complimentary 3 months of DashPass/50% Discounted DashPass from DoorDash for 9 months: Your Chase Freedom Unlimited account will receive one complimentary 3 month DashPass from DoorDash when the subscription is activated by 12/31/2021. After your complimentary period ends, you’ll be automatically enrolled for 9 months at 50% off the then current monthly DashPass rate. After the DashPass discounted period ends, you will continue to be enrolled and charged the then current monthly DashPass rate. You can cancel anytime on the DoorDash mobile application. Subscription will be registered in the name of the primary cardmember or an authorized user, whoever activates the benefit first. Subscription period for the user on a Chase Freedom Unlimited account will begin and end based on when the first user activates the subscription on the DoorDash mobile application. To receive the subscription benefits, the primary cardmember or authorized user(s) must first add their Chase Freedom Unlimited card as a payment method in the DoorDash mobile application, and then click the activation button. Benefits of DashPass from DoorDash include no delivery fees on orders that total over $12 (amount subject to change – see DoorDash site for current minimum); however, other fees on food orders may apply. PayPal or digital wallets (like Apple Pay and Google Pay), or subscriptions purchased through third parties are excluded from this offer. Mobile applications, websites and other information provided by DoorDash are not within Chase’s control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash benefits and services. Your Chase Freedom Unlimited account must be open and not in default to maintain subscription benefits.
Cash Back and Points
Rewards Program Agreement: For more information about the Chase Freedom Unlimited rewards program, view the latest Rewards Program AgreementOpens in a new window. We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com/ultimaterewardsOpens in a new window.
Cash Back and Points: “Cash Back rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. You may simply see “Cash Back” in marketing materials when referring to the rewards you earn. How you can earn points: You’ll earn points when you, or an authorized user, use a Chase Freedom Unlimited card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5% Cash Back: You’ll earn 1.5% Cash Back rewards for each $1 spent. 3.5% Cash Back on qualifying Lyft rides through 03/2022: You’ll earn 3.5% Cash Back for each $1 spent when your card is used for qualifying Lyft products and services purchased through the Lyft mobile application through 03/31/2022. Qualifying Lyft products and services include rides taken in Classic, Shared, Lux, or XL modes; bike and scooter rides; and subscription and membership products. Purchase of gift cards, car rentals, vehicle service centers, miscellaneous fees, and other Lyft products and services are excluded from this promotion. Future Lyft products or services may not be eligible for additional Cash Back. You may see “5% Cash Back rewards” in marketing materials to refer to the 3.5% Cash Back rewards earned in addition to the 1.5% Cash Back rewards earned on all purchases. The additional 3.5% Cash Back rewards will appear on your billing statement in a separate line from the 1.5% Cash Back rewards. How you can use your points: You can use your points to redeem for any available reward options, including cash, gift cards, travel, and products or services made available through the program or directly from third party merchants. Redemption values for reward options vary. Points expiration/losing points: Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement.
Zero Liability Protection
Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.
Shop With Points
When using points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.
Amazon.com Shop with Points service terms apply.
Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.
Alerts
Delivery of alerts may be delayed for various reasons including technology failures and system capacity limitations. There is no charge from Chase, but message and data rates may apply.
Accounts subject to credit approval. Restrictions and limitations apply. Chase Freedom Unlimited credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
Chase Freedom Unlimited credit card Pricing & Terms
Pricing & Terms
Please take a moment to carefully review the Pricing & Terms below.
PRICING INFORMATION
INTEREST RATES AND INTEREST CHARGES
Purchase Annual Percentage Rate (APR)
0% Intro APR for the first 15 months that your Account is open.
After that, 14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a
My Chase LoanSM APR
14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a
Promotional offers with fixed APRs and varying durations may be available from time to time on some accounts.
Balance Transfer APR
14.99% to 23.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a
Cash Advance APR
24.99%. This APR will vary with the market based on the Prime Rate.b
How to Avoid Paying Interest on Purchases
Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.
Minimum Interest Charge
None
Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Membership Fee
None
My Chase PlanSM Fee
(fixed finance charge)
0% of the amount of each purchase transaction selected to create a My Chase Plan while in the 0% Intro Purchase APR period.
After that, 1.72% of the amount of each purchase transaction selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.c
Transaction Fees
Balance Transfers
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advances
Either $10 or 5% of the amount of each transaction, whichever is greater.
Foreign Transactions
3% of the amount of each transaction in U.S. dollars.
Penalty Fees
Late Payment
Up to $39.
Over-the-Credit-Limit
None
Return Payment
Up to $39.
Return Check
None
Note: This account may not be eligible for balance transfers.
How We Will Calculate Your Balance: We use the daily balance method (including new transactions).
Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 3/19/2020.
aWe add 11.74% to 20.49% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR. Maximum APR 29.99%.
bWe add 21.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 29.99%.
cMy Chase Plan Fee: The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan.
MILITARY LENDING ACT NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please call 1-800-235-9978.
TERMS & CONDITIONS
Authorization: When you respond to this credit card offer from JPMorgan Chase Bank, N.A., Member FDIC, a subsidiary of JPMorgan Chase & Co. (“Chase”, “we”, or “us”), you agree to the following:
You authorize us to obtain credit bureau reports, employment, and income information about you that we will use when considering your application for credit. You also authorize us to obtain credit bureau reports and any other information about you in connection with: 1) extensions of credit on your account; 2) the administration, review or collection of your account; and 3) offering you enhanced or additional products and services. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report about you.
If an account is opened, you will receive a Cardmember Agreement with your card(s). You agree to the terms of this agreement by: using the account or any card, authorizing their use, or making any payment on the account.
By providing your mobile phone number, you are giving permission to be contacted at that number about all of your accounts by JPMorgan Chase and companies working on its behalf. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing, but not for sales or telemarketing. Message and data rates may apply.
Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we mail your new credit card. If you want to cancel or modify your balance transfer within this ten-day period and have received your credit card, please call the number on the back of your card. Otherwise, please call 1-888-338-9464. Please continue to make payments to your other account(s) until you know the balance has been paid.
Rates, fees, and terms may change: We have the right to change the account terms (including the APRs) in accordance with your Cardmember Agreement.
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Signature or Platinum card with different costs and/or benefits, or you may not receive a card. If approved for a Signature account, your credit access line will be at least $5000. If approved for a Platinum account, your credit limit will be at least $500.
You must be at least 18 years old to qualify (19 in AL and NE, 21 in Puerto Rico). An applicant, if married, may apply for a separate account.
Signature services are available only to Signature cardmembers. We reserve the right to change the benefit features associated with your card at any time.
New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement or court order applying to marital property will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Obligations on this account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this account to your spouse. Married Wisconsin residents must furnish their (the applicant’s) name and social security number as well as the name and address of their spouse to Cardmember Service at P.O. Box 15366, Wilmington, DE 19850-5366.
Balance Transfer Option
Balance transfers are contingent upon issuance of your account with us.
The total amount of your request(s) including fees and interest charges cannot exceed your available credit or $15,000, whichever is lower.
We will not process any balance transfer requests that are from any other account or loan that we (JPMorgan Chase Bank, N.A., Member FDIC) or any of our affiliates issued.
Balance transfers are subject to the transaction fee shown in the enclosed “Pricing Information.”
We will evaluate your balance transfer requests in the order listed on your response. If your request(s) exceeds the amount that we approve, we may either decline the request or send less than the full amount requested to your designated payee.
Each transfer will reduce your available credit just like any other transaction. You will see a payment for the amount transferred on the statement from your other accounts. It may take up to three weeks to set up your new account with us and process the balance transfer(s), so you may still need to make payments to your other accounts to keep them current.
Affiliate Information Sharing: We and our affiliates may share information about you among affiliates in order to offer products and services of interest to you. If you would prefer that we do not share information from your application, credit bureaus or third parties, please call us at 1-888-868-8618. For more information about our information handling policies, visit us on the web at http://www.chase.com/privacypolicy.
Replying to this offer: If you omit any information on the form, we may deny your request for an account. Chase cardmembers who currently have or have had a Chase credit card in any Rewards Program associated with this offer, may not be eligible for a second Chase credit card in the same Rewards Program. Chase cardmembers currently receiving promotional pricing, or Chase cardmembers with a history of only using their current or prior Chase card for promotional pricing offers, are not eligible for a second Chase credit card with promotional pricing. You must have a valid permanent home address within the 50 United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands, or have a United States military address. The information about the costs of the card described in this form is accurate as of 3/19/2020. This information may have changed after that date. To find out what may have changed, write to us at Cardmember Service, P.O. Box 15043, Wilmington, DE 19850-5043.
USA PATRIOT Act: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We require the following information or documents as a condition to your opening an account: your name, residential address, date of birth, Social Security number, driver’s license or other identifying documents.
2020 JPMorgan Chase & Co.