Description: This article focuses on chase visa login, which is a quick review of the chase freedom unlimited credit card. The author discusses the sign-up bonus, APR, cash back rewards, pros and cons. If you have a normal spending and you don’t travel a lot, this card is great for you.
This is HighYa here to review the chase freedom unlimited credit card, I am going to give you a quick review, they offer 1.5% cash back on all purchases, they have no annual fee, within the first 15 months of having this card you’ll have a 0% APR interest rate.
They require a good credit score from 690 to 850, I personally have been using this card for about a year and a half or two years, it’s awesome, I love it, this card is great for rewards, balance transfer, cash back, low interest, 0% APR and improving and sustaining your good credit score.
Let’s start with the 0% APR for 15 months, it is ideal if you want to make some purchases that you can pay off within that 15 month time, it’s great to have that 0% interest, after the 15 months they have a low APR, it starts from 16.24% and goes all the way up to 24.99 percent, that all depends.
There are many variables that go into this your credit score, how well you pay off the interest that you acquire or how much you use the card, these offers are subject to change, I noticed that my APR is slightly lower than the advertised amount on chase.
I think that’s because I got this card one and a half years ago to two years ago, let’s talk about the transfer balance, the cost of a transfer is five dollars or five percent whichever is greater, to keep it easy if you’re transferring $1000, your fee would be fifty dollars. It is at 0% APR which is a great news.
If you are accruing interest on a different credit card, it’s great to transfer that balance over once you open up the chase freedom unlimited card to get that 0% interest, one thing to remember is that this does not include balances that are transferred over from different chase credit cards.
It only includes balances transferred from different banks like Wells Fargo, Bank of America and any other bank out there, next let’s talk about that bonus offer, you get one hundred and fifty dollars if you spend five hundred dollars within the first three months of opening this credit card.
There’s also a extra twenty five dollar bonus if you add your first authorized user within the three month period, they offer some more perks, if you refer a friend, you get a hundred dollars for each friend you refer up to five hundred dollars a year, that’s five friends a year, it is easy to do.
Regarding the 1.5% cash back, that is available on all purchases, anywhere you go anything you spend on that credit card, you’re getting 1.5% cash back, if I go over to Home Depot and buy some wood, I get 1.5% cash back. They offer airline Redemption with the four major airlines in the United States, Delta, American Airlines, United and Hawaiian Airlines.
If you’re traveling outside of the country, you are able to use their global airline partners as well, there are also gift card Redemption, you have things like Home Depot, Sephora for the ladies, there are Jiffy Lube, Amazon and the whole bunch of other things.
I think it’s up to 177 different gift cards, we will get Buffalo Wild Wings after the show, those points do not expire, there is no minimum required for the redemption, if you have one point or 1000 points, you can redeem that for cashback value.
Here is an important note, you can’t earn the rewards points on the existing balance transferred over from different credit cards onto your chase unlimited freedom card, it is only from the amount spent on your chase unlimited freedom card.
For those of us that travel a lot, this card is not that good to be honest, there is a 3% fee for any transactions that are done outside of the United States, if you spend $1,000, you have to pay a $30 which is not too bad but there are a lot of other credit cards out there that offer better and have no foreign transaction fees.
There are some additional perks to having the credit card, there’s zero liability protection, chip-enabled security and purchase protection, you also have the extended warranty now, this is cool, they offer one year on top of the original manufacturer’s warranty if it is three years or less on that warranty.
If you’re in your fourth year, you’re out of luck, for example if you purchase an Apple product before a Playstation on your chase freedom unlimited credit card with that 1-year manufacturer’s warranty, chase will add on one year, so you get two years instead of one year, that’s great.
They also have auto rental collision damage waiver, you have to decline the coverage offered by the rental company in order for this to go into effect, the chase coverage is second to your personal insurance, the bottom line is if you’re a millennial, this card is perfect for you.
This card is great if you have a normal spending, you’re spending within the country, you’re not traveling a lot, you’re using it for day-to-day purchases, it’s awesome to get those 1.5% cash back rewards, if you’re planning on traveling a lot or acquiring large business expenses, the chase freedom unlimited card may not be ideal for you, there are some cards out there that offer better point redemption.
This card is tailored for the average Joe, overall this is a great card, I would definitely recommend it for you, it is chase freedom unlimited credit card.