Then i applied for the new
chase freedom unlimited but i got a letter that i was denied because of too many credit inquiries and too many credit card applications.
The main draw of the
Chase Freedom Unlimited ® card is its flat 1.5 % cash back rate on all purchases, making things simple for cardholders with no rotating categories or stipulations.
As a cash back card, the Chase
Freedom Unlimited ® card offers a high rewards rate and a tempting sign - up bonus.
5x / 3x earning opportunities with Ink cards, rotating 5x with Freedom, 1.5 x everywhere
with Freedom Unlimited makes them easy to earn
Tip # 2: Combine strategies by using the Chase
Freedom Unlimited ℠ card in tandem with the Reserve Card.
I use my Chase
Freedom Unlimited for just about every purchase that's not in the travel or dining category.
The Chase Freedom earns 5X the points on rotating quarterly categories, such as groceries, gas, and dining, while the Chase
Freedom Unlimited earns 1.5 X on all purchases.
The Chase
Freedom Unlimited credit card usually offers an upfront $ 150 sign - up bonus along with flat 1.5 % cash back on all purchases (no caps).
To get the most cash back possible, use Chase
Freedom Unlimited as your primary card and Chase Freedom when you're purchasing something that falls within the 5 % bonus categories.
Or really, any busy airport), Priority Pass lounge access (we'll need 2 cards in our household to get our whole family into lounges now), premium roadside assistance (I canceled AAA, primary rental car insurance (never renting a car without this perk, as secondary insurance gets my own auto insurance involved in a claim), and the ability to transfer my Freedom and
Freedom Unlimited points here for outsized value.
Since the combination
of Freedom Unlimited and Sapphire Reserve can achieve a 2.25 % return, this is probably a money loser for Chase.
Keep in mind that even though the rewards seem similar, your points could be worth more with Chase
Freedom Unlimited if you also have the Chase Sapphire Preferred (or get it later down the line).
Both Chase Freedom and
Freedom Unlimited also offer new cardholders a 0 % introductory APR on purchases and balance transfers for 15 months.
Counterpoint: If you are not organized, can not keep track of changing categories, or your spending is varied (e.g., you spread it between gas, groceries, shopping, dining out), then consider Chase
Freedom Unlimited instead.
Consider that the no annual fee Chase
Freedom Unlimited allows you to earn 1.5 % cash back on all purchases and that you can get 2 % back on all purchases using a no annual fee credit card like the Citi Double Cash.
In the case of transferring cash back from Chase Freedom or Chase
Freedom Unlimited into an Ultimate Rewards earning account, you will select your Freedom card from the list (this process also works with the Chase Cash Business card)
«If paired with the Chase Sapphire Preferred
The Freedom Unlimited has the potential to be the best flat - rate cash back card.»
The Chase
Freedom Unlimited currently comes with a sign - up bonus of $ 150 after spending $ 500 on purchases within the first three months of account opening.
You'll have to spend and make payments on $ 7,500 with the Citi Double Cash to get $ 150 in cash back (in comparison, you get $ 150 as a bonus for just spending $ 500 on the Chase
Freedom Unlimited within the first 3 months of opening your account).
You might want to consider other popular cards if you're not sure Chase
Freedom Unlimited works for your lifestyle.
Chase
Freedom Unlimited actually earns UR points so the bonus might be even more valuable than $ 300 as 30,000 Ultimate Rewards points.
You'll also jump - start your earnings with a nice sign - up bonus of 15,000 points, worth $ 150, when you spend $ 500 in the first 3 months after your Chase
Freedom Unlimited application is approved.
If you would rather earn 1.5 points per $ 1 for all non-bonus category spending, you can also apply for the flat -
rate Freedom Unlimited.
The Chase
Freedom Unlimited cash back card, for example, allows you to transfer your cash back to a Chase checking or savings account.
Chase recently announced a new promotion that allows Chase Sapphire Reserve, Ch ase Freedo m, and Chase
Freedom Unlimited cardmembers the ability to earn ten times the points, or 10 % cash back, on all purchases made through Walmart, up until the end of the day December 14.
Currently, there are no details as to the card's bonus or annual fee - both will have a tremendous impact on the Chase
Freedom Unlimited short - term and long - term value.
Both the Freedom and
Freedom Unlimited impose ~ 3 % fee for each transaction in US dollars when you make purchases abroad.