Category: Chase

     

    Chase freedom unlimited credit card offer


    chase freedom unlimited credit card offer

    What does the Chase Freedom Unlimited card offer ; LendEDU Rating: 4.9/5 ; Rewards rate: 1.5% – 5% ; Annual fee: $0 ; Editor's thoughts: Rated as. $200 Welcome Bonus: The Freedom Unlimited card carries an easy-to-achieve welcome bonus. · Introductory APR Period: This card carries an introductory offer for. Chase Freedom Unlimited Card: 1.5% Bonus Points on All Purchases for New Cardholders in January 2022 · Annual Fee: $0 · Intro APR: This card.

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    Chase Freedom Unlimited Review - Is it Worth It?

    New Chase Freedom Unlimited Offer: Earn at Least 3% Cashback Everywhere!

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    Chase has rolled out a new offer on the no annual fee Chase Freedom Unlimited® that could make it one of the best cards for earning Chase Ultimate Rewards points or cashback on your everyday spending.

    The Chase Freedom Unlimited can now earn 3% cashback (or 3x Ultimate Rewards points!) on all spending up to $20,000 in the first year of card membership. That’s an additional $300 cashback – or 30,000 Chase Ultimate Rewards points. That means you can earn at least $600 cashback (or 60,000 Chase points) if you spend $20,000 in the first year.
     

    Chase Freedom Unlimited Offer
     

    Click Here to learn more about the Chase Freedom Unlimited Card
     

    Even better, this additional 1.5% cashback is available on the spending categories that already earn bonus cash back (or Chase Ultimate Rewards points) on the card. With that in mind, it works out to:

    • Earn 6.5% cash back on travel purchased through the Chase Travel Portal
    • Earn 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
    • Earn 3% on all other purchases (on up to $20,000 spent in the first year).

    After your first year or $20,000 spent, you’ll ear the standard 5% cashback on travel purchased through the Chase Travel Portal, 3% cashback on drugstore purchases and dining at restaurants (including takeout and eligible delivery service), and unlimited 1.5% cashback on all other purchases.

     

    Benefits of the Chase Freedom Unlimited Card

    Sign-Up Bonus Offer

    Double Cash Back: Earn an additional 1.5% cashback in all spending categories (or 1.5x Ultimate Rewards points, if you’ve got a card that earns points like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® on all purchases in your first year up to $20,000 spent.

    • Earn 6.5% cash back on travel purchased through the Chase Travel Portal
    • Earn 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
    • Earn 3% on all other purchases (on up to $20,000 spent in the first year).

     

    Annual Fee

    The Chase Freedom Unlimited card does not have an annual fee, making it a great companion product to either the Chase Sapphire Preferred or the Chase Sapphire Reserve.

     

    Chase 5/24 Rule

    The card is subjected to the Chase 5/24 rule, so that is something you will need to consider before applying. Also, you won’t be eligible to apply if you have received a new card member bonus on the Freedom Unlimited in the past 24 months.
     

    Chase Freedom Unlimited Offer
     

    Click Here to learn more about the Chase Freedom Unlimited Card

     

    Our Analysis

    The Chase Freedom Unlimited Card is one of our favorite no-annual fee credit cards.

    Not only does it earn competitive cashback rates, but it also becomes much more valuable when you pair it with either the Chase Sapphire Preferred or the Chase Sapphire Reserve. That’s because you can actually convert the cashback the cards earn into Chase Ultimate Rewards points to be used for travel redemptions.

    With this new offer to earn 3% cashback for the first $20,000 spent on the card annually, it’s possible to earn up to $600 cash back in the first year.

    If you hold an Ultimate Rewards earning credit card, the cashback could then be transferred and turned into 60,000 Ultimate Rewards points. If you’re looking to earn more Chase points, this could be a great way to do so.

    Because Ultimate Rewards points redeem at either 1.25 or 1.5 cents each depending on what time does pickup close at walmart card you have, these 60,000 points could be redeemed for $750 to $900 towards travel – not bad for a no annual fee card.

    Even if you don’t want to transfer the cashback into your Chase Ultimate Rewards balance, the 3% cashback return is still very attractive and one of the most competitive cashback offers out there.
     

    freedom unlimited offer
     

    Bottom Line

    This new offer on the Chase Freedom Unlimited card is solid. While you won’t earn a sign-up bonus for a certain amount of spending in the first three months, it is a great candidate to earn your everyday spending at at least 3% cashback, and potentially more depending on the spending category.

     

    Chase Freedom Unlimited Offer
     

    Click Here to learn more about the Chase Freedom Unlimited Card.
     

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    Chase Freedom Unlimited Credit Card Benefits & Review 2022

    Featuring a $200 sign-up bonus, 1.5% cash back minimum on every purchase, and no annual fee, the Chase Freedom Unlimited® is among the best beginner credit cards. Additionally, it offers 3% cash back on dining and drugstore purchases and various travel benefits. Here is what you need to know about the Chase Freedom Unlimited card and if you should apply.

    The Vacationer Recommendation

    Don’t have a premium cash back and travel-focused credit card yet? Check out The Vacationer’s Recommended Cash Back Card Picks for the best offers from Chase and other dickssportinggoods com credit card login issuers. You can also check out the CardMatch Tool to see what cards and offers you may already be prequalified for.

    Who is the Prairie state bank mortgage rates Freedom Unlimited For?

    While it is a great card for those new to credit card points, the Freedom Unlimited is also an important tool for current Chase Sapphire cardholders. Points can be transferred to the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card to be redeemed at higher values. Sapphire Reserve points are worth up to 50% more (1.5 cents per point) depending on the redemption. Sapphire Preferred points are worth up to 25% more (1.25 cents per point) depending on the redemption. Points can also be transferred to various partner airlines and hotels where frontier air credit card login are worth as much as 2 cents per point.

    Those not interested in points can treat it strictly as a cash back card and redeem for cash, statement cards, and gift cards. For a card with no annual fee, the Chase Freedom Unlimited beats many other similar cards. Here are some of the many benefits.

    BENEFITS AT A GLANCE
    Chase Freedom Unlimited Card Table
    Annual Fee: $0
    APR: 0% Intro for 15 months on purchases and balance transfers; 14.99%–23.74% variable APR after 15 months
    Current Bonus: $200 Cash Back after spending $500 on purchases within the first three months
    Gas Bonus: Earn 5% cash back at gas stations on up to $6,000 in the first year.
    5% on Travel Purchased via the Chase Ultimate Rewards portal
    5% on Lyft (ends 3/31/2022)
    3% on Dining purchases
    – 3% on Drugstore purchases
    1.5% on all other purchases
    Secondary Rental Car Insurance
    – Purchase Protection and Warranty Protection
    – Trip Cancellation/Interruption Insurance
    – Real-Time Fraud Monitoring
    – Points Do Not Expire
    Foreign Transaction Fee: 3%
    Good to Great Credit Score Required (650+)

    Featured Chase Freedom Unlimited Benefits

    While the Chase Freedom Unlimited card has many benefits, here are the best ones.

    No Annual Fee

    Unlike competing cards, the Chase Freedom Unlimited has no annual fee. For a card that offers a minimum of 1.5% cash back and the ability to earn up to 5% cash back, that is a great deal. And the best news is the annual fee is not just waived the first year — it is permanently $0. For comparison purposes, here are the annual fees for similar Chase cards

    • Chase Sapphire Reserve – $550 per year
    • Chase Sapphire Preferred – $95 per year
    • Chase Freedom Flex℠ – No Annual Fee

    0% Intro APR

    The Chase Freedom Unlimited offers a 0% intro APR for the first 15 months from account opening. After the first 15 months, it goes to a variable APR of 14.99%–23.74%. To keep the 0% intro APR offer, you must pay your minimum balance on time. The Chase Freedom Flex offers the same 0% intro APR deal.

    $200 Sign Up Bonus (20,000 Points) + 5% Cash Back on Gas Station Purchases

    You can earn a $200 sign-up bonus by spending $500 on purchases in the first three months from account opening. This is equal to 20,000 Chase Ultimate Rewards points. To qualify, you must not currently have the Chase Freedom Unlimited. You also cannot have received a sign-up bonus from this card in the past 24 months. Additionally, you can earn 5% cash back on gas station purchases on up to $6,000 spent in the first 12 months.

    As a cash back card, the most obvious redemption method may appear to be cash. While that is one option, the best way to get maximum value is to transfer the 20,000 points to either the Chase Sapphire Reserve (50% more value) or the Chase Sapphire Preferred (25% more value).

    1.5% Cash Back Minimum on Purchases

    The 1.5% cash back (or 1.5 points per dollar spent) minimum on all purchases is where the Chase Freedom Unlimited’s real value can be found. While it and other Chase cards offer more than 1.5% cash back for various categories, the Freedom Unlimited fills in all of the gaps. Other Chase cards offer 1% cash back on all non-special category purchases, so the Freedom Unlimited is the obvious choice in situations like that. As always, transfer to a Sapphire card for even more redemption value.

    If nothing else, view the Chase Freedom Unlimited as a card to always get you at least 1.5% cash back. It may not seem like a lot of cash back, but it has real value for many purchases. It goes great paired with the Chase Freedom Flex and either the Chase Sapphire Reserve or the Chase Sapphire Preferred.

    3% or More Cash Back on Various Categories

    Introduced in 2016, the Chase Freedom Unlimited offered 1.5% cash back on all purchases for its first few years. That all changed in the middle of September 2020. Chase refreshed the card and increased the cash back percentages for the following categories.

    • Travel Purchased Through Chase Ultimate Rewards – The Freedom Unlimited earns 5% cash back (5 points per dollar spent) on travel purchased via the Ultimate Rewards portal. This includes flights, hotels, car rentals, and more. The 5% cash back is equal to what the Chase Freedom Flex offers.
    • Lyft Rides – The Freedom Unlimited earns 5% cash back (5 points per dollar spent) on Lyft rides through March 2022. The 5% cash back is equal to what the Chase Freedom Flex offers.
    • Dining – The Freedom Unlimited earns 3% cash back (3 points per dollar spent) at restaurants. This includes takeout, fine dining, fast food, and more. It also includes third-party delivery services such as DoorDash, GrubHub, and UberEats. The 3% cash back is equal to what the Chase Freedom Flex offers.
    • Drugstores – The Freedom Unlimited earns 3% cash back (3 points per dollar spent) at drugstores. This includes CVS, Walgreens, Rite Aid, and others. The 3% cash back is equal to what the Chase Freedom Flex offers.

    Ultimately, the Chase Freedom Unlimited and Chase Freedom Flex both offer the same cash back for those special categories. The biggest difference is the Freedom Unlimited offers 1.5% cash back on all other purchases while the Freedom Flex offers home remedies for poison oak and ivy cash back. The Freedom Flex also offers 5% cash back on quarterly rotating categories.

    Chase Freedom Unlimited Travel Benefits

    The Freedom Unlimited offers a few essential travel benefits.

    Secondary Rental Car Insurance

    Freedom Unlimited cardholders enjoy secondary rental car insurance for vehicle damage and theft. To qualify, cardholders must put the entire rental on their Chase Freedom Unlimited credit card. Cardholders must also decline the rental car company’s usually very expensive collision insurance policy. Since this is secondary coverage, you must still file a claim with your personal auto insurance company first. The Chase Freedom Flex offers the same secondary coverage.

    If you are looking for primary rental car insurance, sign up for the Chase Sapphire Reserve or the Chase Sapphire Preferred.

    Trip Cancellation/Interruption Insurance

    Cardholders are eligible for both trip cancellation and interruption insurance up to $1,500 per person and $6,000 per trip. Here are the differences between the two travel insurance options.

    • Trip Cancellation Insurance – This kicks in when a covered reason prevents you from traveling on or before the departure date. The covered reason must also be the cause your trip got canceled.
    • Trip Interruption Insurance – This kicks in when a covered reason interrupts your trip on the way to the destination or after departure. It also covers fees if a covered reason forces you to postpone your trip.

    The cardholder and immediate family members are covered for pre-paid, non-refundable passenger fares. Covered reasons include severe weather, terrorism, strikes, and accidental bodily injury, sickness, or death.

    Travel & Emergency Assistance

    Cardholders are eligible for emergency assistance and/or referrals when traveling. Chase provides legal and medical referrals, but you must pay the cost of the service obtained. This service is available 24 hours per day and 365 days per year.

    Other Chase Freedom Unlimited Benefits

    In addition to the benefits discussed above, here are a few more benefits the Chase Freedom Unlimited offers.

    Complimentary DashPass Membership for 3 Months (50% Off After)

    Cardholders are eligible for a free three-month DashPass membership. DashPass is DoorDash’s premium subscription service. It offers reduced service fees and a $0 delivery fee on eligible orders over $12. Caviar members are also eligible.

    To qualify, you must enroll by December 31, 2021. After the free trial ends, you will automatically be enrolled for another nine months at 50% off. To activate, simply add your Chase Freedom Unlimited card to your DoorDash or Caviar account. The app will prompt you to enroll in your complimentary three-month membership.

    Purchase Protection (up to $50,000)

    Cardholders are eligible for purchase protection when using their Chase Freedom Unlimited card. New purchases made in the past 120 days are eligible for up to $50,000 ($500 per claim) in reimbursement against theft or damage. The reimbursed amount is after any insurance claims are paid. Certain restrictions apply, so be sure to review your Guide to Benefits.

    Extended Warranty Protection (up to $50,000)

    Cardholders are eligible for extended warranty protection when using their Chase Freedom Unlimited card. This benefit extends the manufacturer’s warranty by an chase freedom unlimited credit card offer year on american state bank online under three years. Boats, pre-owned items, and computer software are a few of the excluded items. The cardholder and recipients of gifts purchased by the cardholder are eligible for up to $10,000 per claim and up to $50,000 per account in reimbursement.

    Redeeming Cash Back/Points

    Earning points with the Chase Freedom Unlimited is only half the battle. Here are all the ways to redeem Chase points.

    Redeem at 1 Cent Per Point or Less

    If you wish to simply treat your Chase Freedom Unlimited card as a cash back card, here are your redemption options.

    • Cash Back – You can request cash back via a deposit into your checking or savings account. Points are worth 1 cent per point. For example, 1,810 points are worth $18.10.
    • Statement Credit – Instead of cash back, you can redeem your points for a statement credit at 1 cent per point. For example, 2,600 points are worth $26.
    • Chase Travel – Points can be redeemed by booking travel via the Chase portal at 1 cent per point. Flights, hotels, car rentals, and other activities qualify. For example, 12,000 points are worth $120 towards your booking.
    • Gift Cards – Points can be redeemed at 1 cent per point when purchasing a variety of different gift cards.
    • Chase Dining – Points can be redeemed at 1 cent per point when making purchases through the Chase Dining portal.
    • Amazon – Points can be redeemed at 0.8 cents per point when making purchases at Amazon. We do not chase freedom unlimited credit card offer redeeming points this way.

    Ideally, you transfer all of your cash back and points to a Sapphire card. If you do not have a Sapphire card, we recommend requesting cash back to your checking or savings account. The other methods (excluding Pay Your Self Back for charitable purchases) offer no more value than simply taking the cash.

    Redeem at More Than 1 Cent Per Point

    This is where the real value is. Using the Pay Yourself Back Program or transferring points to a Sapphire card allows you to redeem points at more than 1 cent per point.

    Pay Yourself Back Program – Points can be redeemed at 25% more, or 1.25 cents per point using this method. Only select charitable contributions are eligible, however.

    Transfer to a Chase Sapphire Reserve Card – Points are worth as much as 50% more (1.5 cents per point) when transferred to a Sapphire Reserve card. Using a spend of $100 with your Freedom Unlimited card, for example, you will earn $1.5. That $1.5 is worth $2.25 when transferred to a Chase Sapphire Reserve card.

    Transfer to a Chase Sapphire Preferred Card – Points are worth as much as 25% more (1.25 cents per point) when transferred to a Sapphire Preferred card. Using a spend of $100 with your Freedom Unlimited card, for example, you will earn $1.5. That $1.5 is worth $1.87 when transferred to a Chase Sapphire Preferred card.

    Transfer to a Partner Airline or Hotel – To be eligible for this method, you must first transfer your points to a Sapphire card. After doing this, you can then transfer your points to a variety of partner airlines and hotels. Depending on the partner, points can be redeemed as high as 2 cents per point or more! This is the chase freedom unlimited credit card offer way to redeem Chase Freedom Unlimited points. Using a spend of $100 with your Freedom Unlimited card, for example, you will earn $1.5. That $1.5 is worth $3 or more when transferred to a partner airline or hotel.

    FAQ

    Does the Chase Freedom Unlimited have an annual fee?

    No, the Chase Freedom Unlimited does not currently have an annual fee.

    Do Chase Freedom Unlimited points expire?

    No, points do not expire as long as the account remains open.

    Does the Chase Freedom Unlimited offer a sign-up bonus?

    Yes, the current bonus is $200 after spending $500 in the first three months from account opening.

    Does the Chase Freedom Unlimited’s 1.5% cash back apply to what time does pickup close at walmart purchases?

    The 1.5% cash back is the minimum amount the Freedom Unlimited earns. For example, the card earns 3% cash back on dining and at drugstores. It earns 5% cash back on Lyft rides and when booking travel via Chase.

    Does the Chase Freedom Unlimited have a special introductory APR?

    Yes, 0% Intro for 15 months on purchases; 14.99%–23.74% variable APR after 15 months.

    Should I take into account Chase’s 5/24 rule before applying?

    Yes, you should. If you have opened 5 or more cards in the past 24 months, you will likely get denied.

    What are the best ways to redeem Chase Freedom Unlimited points and cash back?

    The best way to redeem points is to transfer them to a Chase Sapphire card where the redemption value can be as high as 50% more (1.5 cents per point). Points are worth as much as 2 cents per point when transferring to a partner hotel or airline.

    Can I have the Chase Freedom Unlimited if I already have other Chase cards?

    Yes, you can have the Freedom Unlimited even if you already have other Chase cards.

    What is the cash equivalent of a point?

    Points are worth 1 cent ($0.01) per point when redeemed for cash.

    The Vacationer’s Final Thoughts

    If you are serious about maximizing your Chase points, you should apply for the Chase Freedom Unlimited. I personally use it to fill in the gaps where my other Chase Cards (Sapphire Reserve and Freedom Flex) do not offer at least 2% cash back or at least 2x points. The minimum 1.5% cash back comes in handy more often than you may think. I then transfer the points to my Sapphire Reserve and redeem them at a much better value.

    Don’t have a cash back credit card yet? Check out The Vacationer’s Recommended Cash Back Card Picks for the best offers from Chase, Capital One, American Express, and other top issuers. You can also check out the CardMatch tool to see what cards and offers you may already be prequalified for.

    Editorial Disclosure: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. 

    Источник: https://thevacationer.com/chase-freedom-unlimited-card-benefits/

    Chase Freedom Unlimited®

    Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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    Chase Freedom Unlimited® review

    Snapshot

    Bankrate rating
        Chase Image

        Best for large earning potential

        Chase Freedom Unlimited®

        Rewards rate

        1.5%–5%

        Intro bonus

        Earn an Additional 1.5% Cash Back

        Regular APR

        14.99% - 23.74% Variable

        Recommended Credit Score

        Good to Excellent  (670 - 850)

        Chase Freedom Unlimited® Overview

        The Chase Freedom Unlimited® has long been a favorite among fans of cash back credit cards, but the card may now hold even greater appeal for rewards-savvy cardholders looking to get started with Chase Ultimate Rewards.

        Chase revamped the Freedom Unlimited card’s rewards scheme last year to offer bonus cash back on travel purchased through the Ultimate Rewards portal, as well as on dining and drugstore purchases. Meanwhile, the 1.5 percent cash back rate on general purchases and valuable perks like travel cancellation/interruption insurance and DoorDash DashPass make the card worth holding onto for budding travelers and low-maintenance cash back enthusiasts alike.

        Just keep in mind that you’ll need excellent credit to qualify or prequalify, and, although the card offers a solid average cash back rate, you’ll get the most value out of your rewards when you pair the Freedom Unlimited with a higher-tier Chase travel credit card.

        What are the pros and cons?

        Pros

        • No annual fee
        • Boost rewards value when you transfer points to a higher-tier Chase card
        • Comes with an introductory APR on new purchases and balance transfers
        • Great benefits for a no annual fee card, including travel cancellation/interruption insurance and complimentary DoorDash DashPass

        Cons

        • You’ll only get 5 percent back on travel if you book through the Ultimate Rewards portal
        • The intro 3 percent balance transfer fee ($5 minimum) increases to 5 percent ($5 minimum) for transfers after your first 60 days
        • The first-year 1.5 percent reward rate boost to all cash back bonus category (on up to $20,000 in combined purchases) isn’t likely to be as valuable for average spenders as the previous first-year offer

        A deeper look into the current card offer

        Quick highlights

        • Rewards Rate: 5 percent cash back on Lyft purchases (through March 2022); 5 percent cash back on travel purchased through Chase Ultimate Rewards; 3 percent cash back on dining; 3 percent cash back on drugstore purchases; 1.5 percent cash back on all purchases
        • Welcome Offer: Earn an additional 1.5 percent cash back on top of all purchases’ original cash back rate (on up to $20,000) for the first year (offer through Bankrate)
        • Annual Fee: $0
        • Purchase Intro APR: 0 percent for 15 months
        • Balance Dubuque bank and trust grandview Intro APR: 0 percent for 15 months (Intro Balance Transfer Fee: $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days)
        • Regular APR: 14.99 percent to 23.74 percent (variable)

        Current welcome offer

        By applying through Bankrate or our CardMatch pre-approval tool, all of your rewards rates will be boosted by an additional 1.5 percent cash back during your first year (on up to $20,000 in combined purchases)—meaning you’ll earn 3 percent to 6.5 percent on all purchases, based on your bonus category:

        • 5 percent back on Chase Ultimate Rewards travel
        • 5 percent back on restaurant, eligible takeout and delivery purchases
        • 5 percent back on drugstore purchases
        • 3 percent on all other purchases

        This could be incredibly rewarding for big spenders since maxing out the $20,000 spending limit would rake in $300 of cash back—more than the standard $200 bonus for spending $500 on purchases in the first three months that the Chase Freedom Flex℠ (its sibling card) and many other no annual fee cash back cards provide. Granted, the Freedom Unlimited imposes a longer time commitment and higher eventual spending requirement, but the 1.5 percent rewards rate boost is one of the most lucrative first-year offers in its class if it already aligns with your spending.

        It’s even a better deal if your budget is a bit more modest. We estimate the average cardholder spends about $15,900 per year, which would still net you an additional $238 on top of your normal cash back with the overarching 1.5 percent rewards boost.

        However, the card’s previous offer stacked 5 chase freedom unlimited credit card offer cash back at grocery stores (excluding Walmart and Target) on up to $12,000 in purchases during your first year. Based on the Bureau of Labor Statistics’ (BLS) latest Consumer Expenditures report data, you would have earned a stellar $247 (calculated from the average $4,942 grocery spend in 2020) from the limited-time grocery store category alone.

        The current offer still delivers a generous cash back haul well worth considering compared to rival cards’ offerings, but Chase’s new offer, albeit unique, may be a step down from what they’ve presented in the past for some cardholders.

        Bankrate Insight

        Bankrate’s CardMatch tool may provide personalized offers you can’t get through the issuer for some cards, but applying directly through the issuer may present other offers. It always pays to do your research and decide which potential offer values match your spending habits.

        Generous cash back

        With its recent refresh, the Chase Freedom Unlimited stands out as one of the most valuable no-annual-fee cash back cards on the market. In fact, the Freedom Unlimited actually earns Chase Ultimate Rewards points that can be redeemed for cash back at a 1:1 rate—which makes the Freedom Unlimited uniquely valuable as a beginner’s rewards credit card if you’re looking to travel with a premium Chase card down the road.

        How you earn

        The Freedom Unlimited earns 5 percent cash back on all travel purchased via the Chase Ultimate Rewards portal and on Lyft purchases (through March 2022), 3 percent back on dining (including eligible takeout and delivery purchases) and 3 percent back at drugstores. Those bonus categories are in addition to the unlimited 1.5 percent cash back the card earns on all other purchases.

        This combination of a solid base cash back rate and a generous bonus cash back rate in multiple categories makes the Freedom Unlimited a very valuable no-annual-fee credit card and a great entry point for frequent travelers who want to get started with credit card rewards.

        How to redeem

        The Chase Freedom Unlimited offers a ton of choices for how you can redeem your rewards. You can opt for cash back in the form of a statement credit or direct deposit, redeem for travel or gift cards or shop online at Amazon.com. Like many other credit cards, you can also redeem your rewards chase freedom unlimited credit card offer charitable contributions (which currently have a 25 percent boost in value).

        You can also combine your rewards with a premium Ultimate Rewards card, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card to enjoy additional flexibility, such as the ability to move your rewards to one of Chase’s transfer partners at a 1:1 ratio.

        How much are the rewards worth?

        The value of Chase Freedom Unlimited rewards will vary depending on how you choose to redeem them. Here’s a look at what sort of value you can expect on average food deserts in nyc each redemption method:

        • Cash back(statement credit or deposit): 1 cent
        • Travel: 1 cent
        • Gift cards: 1 cent
        • Apple purchases: 1 cent
        • Amazon.com purchases: 0.8 cents
        • Charitable contributions: 1.25 cents
        Источник: https://www.bankrate.com/finance/credit-cards/reviews/chase-freedom-unlimited/

        Contents

        The Offer

        Direct link to offer

        Chase is offering an additional bonus on the Chase Freedom Flex and Chase Freedom Unlimited cards:

        • Get the standard $200 sign up bonus after $500 in spend; in addition, the card will earn 5% cashback on Gas purchases in the first year, up to $6,000 in spend.

         

         

        Card Details

        Freedom Flex

        • No annual fee
        • Card earns the following points rates:
          • 5% on rotating Quarterly Categories on up to $1,500 in total purchases (e.g. Q4 2020 will be PayPal and Walmart)
          • 5% on Travel purchased through Chase Ultimate Rewards
          • 3% on Dining 
          • 3% on Drugstore 
          • 5% on Lyft through March 2022
          • 1% unlimited cash back 

        Freedom Unlimited

        • No annual fee
        • Card earns 1.5% cash back on all purchases

        Our Verdict

        Keep in mind while these cards talk apply for amazon store card credit builder cash back you actually earn Chase Ultimate Rewards points. This means if you have an annual fee card such as Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Plus or Chase Ink Preferred then you can transfer these points to travel partners. You could also use these points for the Chase Pay Yourself back feature to make them worth 1.5¢ chase freedom unlimited credit card offer noted, the standard bonus on these cards is $200, and the 5% back on Gas is an additional bonus. Until recently there was a similar offer for 5x back on Grocery Stores (up to $12,000), but that has now been discontinued. We mentioned this Gas offer version floating around in the past, and it now looks to be the standard new offer on Chase and on referral links so I thought it worth a dedicated post. There’s also an alternate offer for the Freedom Unlimited card, specifically, to get an extra 1.5x per dollar spent anywhere during the first year, up to $20,000 in spend. Which offer you choose will depend on your spend patterns and on what other cards you have.

        Unfortunately a lot of readers won’t be eligible for these cards/bonus due to the Chase 5/24 rule. We will still be adding this to our list of the best credit card bonuses.

        Источник: https://www.doctorofcredit.com/chase-freedom-flex-unlimited-200-bonus-5-back-on-gas-first-year-up-to-6k-spend/

        Chase Freedom Unlimited Credit Card Review

        Chase Freedom Unlimited Credit CardChase Freedom Unlimited Credit Card

        is a cash back credit card that is a great option for a broad range of spending categories.

        There are ways for cardmembers to earn bonus cash back on travel (must be booked through Chase), drugstores, and dining.

        Keep in mind that your rewards are accumulated in Chase Ultimate Rewards chase freedom unlimited credit card offer, which may be used to redeem cash back -- cash back points can be used to redeem gift cards, or for trips through Chase online travel booking portal.

        We've broken down the basics of the to help you decide if it's the right card for you.

        Main Card Highlights

        Chase Freedom Unlimited Card Pros & Cons

        ProsCons
        • Earn 5% cash back on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases
        • Earn 1.5% cash back per $1 spent on all other purchases
        • Earn bonus cash back on travel purchased through Chase, dining, and drugstores purchases
        • No annual fee
        • Relatively high APR for purchases and balance transfers

        The cash back program for the card are as follows:

        • Earn 5% cash back on travel purchased through Chase Ultiamte Rewards
        • Earn 3% cash back on dining and drugstore purchases
        • Earn 1.5% cash back on all other purchases.

        The points are stored under the Chase Ultimate Rewards system. Points can be redeemed for cash as either account statement credit or an electronic deposit into a checking or savings account.

        If you don’t want straight cash, you can also redeem the points for gift cards, merchandise, and more.

        If you’re the kind of consumer who does spend heavily in any particular categories, this card is a good choice to earn substantial cash back on all your spending.

        Versatility

        As part of Chase’s Ultimate Rewards Program, cardholders who also use other Chase credit cards, such as thehave the potential to stack up earnings by pairing them together.

        Read Chase Sapphire Preferred Editor's Review

        Customers can also redeem points for travel through Chase’s online portal.

        No Redemption Minimum

        Also worthy of a distinguishable mention is card’s access to cash back.

        There is no minimum to redeem your earnings, unlike many cards. So, whether there is a nickel or a $1 to your rewards account, the money is available to cash out when you’d like.

        Incentives to Sign Up

        The  offers nice sign-up incentives to help you boost your earnings from day one.

        Intro APR

        Also making this card offer enticing is the introductory period on all purchases and balance transfers.

        However, the balance transfer fee is 5% of the amount transferred, with the minimum being $5. For someone who is looking to consolidate debt, Chase Slate is likely the better option.

        Card Protections

        This card’s chip technology provides cardholders extra protection when used in a chip card reader. There is also zero liability protection when there are unauthorized charges made on the card.

        A few other notable protective features include:

        Purchase Protection

        This protects your new purchases for 120 days against damage or theft. This covers up to $500 per claim and $50,000 per account.

        Price Protection

        If there is a price change within 90 days of making a purchase with your card, a Chase Freedom Unlimited cardholder can be reimbursed the difference up to $500 per item and $2,500 per year.

        Auto Rental Collision Damage Waiver

        Cardholders who use their card to pay for a rental service have automatic access to theft and collision damage insurance for most cars in the U.S. and abroad.

        So, you can kindly decline the company’s collision coverage. The card insurance is still secondary to your primary car insurance, however.

        All of these card protections have become the standard for most credit cards.

        Final Verdict

        For the average consumer, the is likely to offer plenty of ways to earn cash back rewards.

        It has a place in the wallet for most people.

        Looking to max out your cash back rewards?

        Remember that you can transfer Chase Ultimate Rewards points between Chase card accounts. And, the premium travel credit cards from Chase will offer a bonus redemption on those points -- allowing you to extract more value from the points earned on the Chase Freedom Unlimited card.

        Continue Reading

        Источник: https://www.mybanktracker.com

        Chase Freedom Unlimited® Credit Card’s Bonus Can Be Worth Up To $300 Cash Back

        The Chase Freedom Unlimited® credit card has an offer for an additional 1.5% cash back on everything you buy, on up to $20,000 spent aarp chase credit card login your first year of card membership, for up to $300 cash back. Here are some ideas on how to meet the maximum spending amount for maximizing your cash back. This bonus can be worth more when you chase freedom unlimited credit card offer this card with certain other cards from Chase. Compare with other top card bonuses here.

        This card earns 6.5% on travel purchased through Ultimate Rewards®, 4.5% on drugstore purchases and dining at restaurants (including takeout and eligible delivery services), and 3% on all other purchases on up to $20,000 spent in the first year. After the first year or $20,000 spent, earn 5%, 3%, and unlimited 1.5% on those categories, respectively.

        The card has no annual fee. This makes it a good everyday card for just about everyone.

        But, pair it with certain other Chase cards and it’s a whole new ball game. Here are a couple of cards you can combine Ultimate Rewards points and transfer them to travel partners to possibly get more value.

        *Chase Bank also offers great bonuses with their Checking/Savings accounts.

        Other Card(s) To Consider

        Top/Trending Offers You May Like

        Filed Under: Credit Card Bonuses, Credit CardsTagged With: chase

        Источник: https://www.moneysmylife.com/chase-freedom-unlimited/

        Chase freedom unlimited credit card offer -

        Chase Freedom Unlimited® Credit Card’s Bonus Can Be Worth Up To $300 Cash Back

        The Chase Freedom Unlimited® credit card has an offer for an additional 1.5% cash back on everything you buy, on up to $20,000 spent in your first year of card membership, for up to $300 cash back. Here are some ideas on how to meet the maximum spending amount for maximizing your cash back. This bonus can be worth more when you pool this card with certain other cards from Chase. Compare with other top card bonuses here.

        This card earns 6.5% on travel purchased through Ultimate Rewards®, 4.5% on drugstore purchases and dining at restaurants (including takeout and eligible delivery services), and 3% on all other purchases on up to $20,000 spent in the first year. After the first year or $20,000 spent, earn 5%, 3%, and unlimited 1.5% on those categories,, respectively.

        The card has no annual fee. This makes it a good everyday card for just about everyone.

        But, pair it with certain other Chase cards and it’s a whole new ball game. Here are a couple of cards you can combine Ultimate Rewards points and transfer them to travel partners to possibly get more value.

        *Chase Bank also offers great bonuses with their Checking/Savings accounts.

        Other Card(s) To Consider

        Top/Trending Offers You May Like

        Filed Under: Credit Card Bonuses, Credit CardsTagged With: chase

        Источник: https://www.moneysmylife.com/chase-freedom-unlimited/

        New Chase Freedom Unlimited Offer: Earn at Least 3% Cashback Everywhere!

        This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. For more information check out our Advertising Disclosure.

        Chase has rolled out a new offer on the no annual fee Chase Freedom Unlimited® that could make it one of the best cards for earning Chase Ultimate Rewards points or cashback on your everyday spending.

        The Chase Freedom Unlimited can now earn 3% cashback (or 3x Ultimate Rewards points!) on all spending up to $20,000 in the first year of card membership. That’s an additional $300 cashback – or 30,000 Chase Ultimate Rewards points. That means you can earn at least $600 cashback (or 60,000 Chase points) if you spend $20,000 in the first year.
         

        Chase Freedom Unlimited Offer
         

        Click Here to learn more about the Chase Freedom Unlimited Card
         

        Even better, this additional 1.5% cashback is available on the spending categories that already earn bonus cash back (or Chase Ultimate Rewards points) on the card. With that in mind, it works out to:

        • Earn 6.5% cash back on travel purchased through the Chase Travel Portal
        • Earn 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
        • Earn 3% on all other purchases (on up to $20,000 spent in the first year).

        After your first year or $20,000 spent, you’ll ear the standard 5% cashback on travel purchased through the Chase Travel Portal, 3% cashback on drugstore purchases and dining at restaurants (including takeout and eligible delivery service), and unlimited 1.5% cashback on all other purchases.

         

        Benefits of the Chase Freedom Unlimited Card

        Sign-Up Bonus Offer

        Double Cash Back: Earn an additional 1.5% cashback in all spending categories (or 1.5x Ultimate Rewards points, if you’ve got a card that earns points like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® on all purchases in your first year up to $20,000 spent.

        • Earn 6.5% cash back on travel purchased through the Chase Travel Portal
        • Earn 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
        • Earn 3% on all other purchases (on up to $20,000 spent in the first year).

         

        Annual Fee

        The Chase Freedom Unlimited card does not have an annual fee, making it a great companion product to either the Chase Sapphire Preferred or the Chase Sapphire Reserve.

         

        Chase 5/24 Rule

        The card is subjected to the Chase 5/24 rule, so that is something you will need to consider before applying. Also, you won’t be eligible to apply if you have received a new card member bonus on the Freedom Unlimited in the past 24 months.
         

        Chase Freedom Unlimited Offer
         

        Click Here to learn more about the Chase Freedom Unlimited Card

         

        Our Analysis

        The Chase Freedom Unlimited Card is one of our favorite no-annual fee credit cards.

        Not only does it earn competitive cashback rates, but it also becomes much more valuable when you pair it with either the Chase Sapphire Preferred or the Chase Sapphire Reserve. That’s because you can actually convert the cashback the cards earn into Chase Ultimate Rewards points to be used for travel redemptions.

        With this new offer to earn 3% cashback for the first $20,000 spent on the card annually, it’s possible to earn up to $600 cash back in the first year.

        If you hold an Ultimate Rewards earning credit card, the cashback could then be transferred and turned into 60,000 Ultimate Rewards points. If you’re looking to earn more Chase points, this could be a great way to do so.

        Because Ultimate Rewards points redeem at either 1.25 or 1.5 cents each depending on which card you have, these 60,000 points could be redeemed for $750 to $900 towards travel – not bad for a no annual fee card.

        Even if you don’t want to transfer the cashback into your Chase Ultimate Rewards balance, the 3% cashback return is still very attractive and one of the most competitive cashback offers out there.
         

        freedom unlimited offer
         

        Bottom Line

        This new offer on the Chase Freedom Unlimited card is solid. While you won’t earn a sign-up bonus for a certain amount of spending in the first three months, it is a great candidate to earn your everyday spending at at least 3% cashback, and potentially more depending on the spending category.

         

        Chase Freedom Unlimited Offer
         

        Click Here to learn more about the Chase Freedom Unlimited Card.
         

        Stop overpaying for travel!

        Get our daily email for the latest in travel, flight deals, and how to save on your next trip.

        Related stories:

        Источник: https://thriftytraveler.com/news/credit-card/chase-freedom-unlimited-offer-3-percent-back/

        Chase Freedom Unlimited® review

        Snapshot

        Bankrate rating
            Chase Image

            Best for large earning potential

            Chase Freedom Unlimited®

            Rewards rate

            1.5%–5%

            Intro bonus

            Earn an Additional 1.5% Cash Back

            Regular APR

            14.99% - 23.74% Variable

            Recommended Credit Score

            Good to Excellent  (670 - 850)

            Chase Freedom Unlimited® Overview

            The Chase Freedom Unlimited® has long been a favorite among fans of cash back credit cards, but the card may now hold even greater appeal for rewards-savvy cardholders looking to get started with Chase Ultimate Rewards.

            Chase revamped the Freedom Unlimited card’s rewards scheme last year to offer bonus cash back on travel purchased through the Ultimate Rewards portal, as well as on dining and drugstore purchases. Meanwhile, the 1.5 percent cash back rate on general purchases and valuable perks like travel cancellation/interruption insurance and DoorDash DashPass make the card worth holding onto for budding travelers and low-maintenance cash back enthusiasts alike.

            Just keep in mind that you’ll need excellent credit to qualify or prequalify, and, although the card offers a solid average cash back rate, you’ll get the most value out of your rewards when you pair the Freedom Unlimited with a higher-tier Chase travel credit card.

            What are the pros and cons?

            Pros

            • No annual fee
            • Boost rewards value when you transfer points to a higher-tier Chase card
            • Comes with an introductory APR on new purchases and balance transfers
            • Great benefits for a no annual fee card, including travel cancellation/interruption insurance and complimentary DoorDash DashPass

            Cons

            • You’ll only get 5 percent back on travel if you book through the Ultimate Rewards portal
            • The intro 3 percent balance transfer fee ($5 minimum) increases to 5 percent ($5 minimum) for transfers after your first 60 days
            • The first-year 1.5 percent reward rate boost to all cash back bonus category (on up to $20,000 in combined purchases) isn’t likely to be as valuable for average spenders as the previous first-year offer

            A deeper look into the current card offer

            Quick highlights

            • Rewards Rate: 5 percent cash back on Lyft purchases (through March 2022); 5 percent cash back on travel purchased through Chase Ultimate Rewards; 3 percent cash back on dining; 3 percent cash back on drugstore purchases; 1.5 percent cash back on all purchases
            • Welcome Offer: Earn an additional 1.5 percent cash back on top of all purchases’ original cash back rate (on up to $20,000) for the first year (offer through Bankrate)
            • Annual Fee: $0
            • Purchase Intro APR: 0 percent for 15 months
            • Balance Transfer Intro APR: 0 percent for 15 months (Intro Balance Transfer Fee: $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days)
            • Regular APR: 14.99 percent to 23.74 percent (variable)

            Current welcome offer

            By applying through Bankrate or our CardMatch pre-approval tool, all of your rewards rates will be boosted by an additional 1.5 percent cash back during your first year (on up to $20,000 in combined purchases)—meaning you’ll earn 3 percent to 6.5 percent on all purchases, based on your bonus category:

            • 5 percent back on Chase Ultimate Rewards travel
            • 5 percent back on restaurant, eligible takeout and delivery purchases
            • 5 percent back on drugstore purchases
            • 3 percent on all other purchases

            This could be incredibly rewarding for big spenders since maxing out the $20,000 spending limit would rake in $300 of cash back—more than the standard $200 bonus for spending $500 on purchases in the first three months that the Chase Freedom Flex℠ (its sibling card) and many other no annual fee cash back cards provide. Granted, the Freedom Unlimited imposes a longer time commitment and higher eventual spending requirement, but the 1.5 percent rewards rate boost is one of the most lucrative first-year offers in its class if it already aligns with your spending.

            It’s even a better deal if your budget is a bit more modest. We estimate the average cardholder spends about $15,900 per year, which would still net you an additional $238 on top of your normal cash back with the overarching 1.5 percent rewards boost.

            However, the card’s previous offer stacked 5 percent cash back at grocery stores (excluding Walmart and Target) on up to $12,000 in purchases during your first year. Based on the Bureau of Labor Statistics’ (BLS) latest Consumer Expenditures report data, you would have earned a stellar $247 (calculated from the average $4,942 grocery spend in 2020) from the limited-time grocery store category alone.

            The current offer still delivers a generous cash back haul well worth considering compared to rival cards’ offerings, but Chase’s new offer, albeit unique, may be a step down from what they’ve presented in the past for some cardholders.

            Bankrate Insight

            Bankrate’s CardMatch tool may provide personalized offers you can’t get through the issuer for some cards, but applying directly through the issuer may present other offers. It always pays to do your research and decide which potential offer values match your spending habits.

            Generous cash back

            With its recent refresh, the Chase Freedom Unlimited stands out as one of the most valuable no-annual-fee cash back cards on the market. In fact, the Freedom Unlimited actually earns Chase Ultimate Rewards points that can be redeemed for cash back at a 1:1 rate—which makes the Freedom Unlimited uniquely valuable as a beginner’s rewards credit card if you’re looking to travel with a premium Chase card down the road.

            How you earn

            The Freedom Unlimited earns 5 percent cash back on all travel purchased via the Chase Ultimate Rewards portal and on Lyft purchases (through March 2022), 3 percent back on dining (including eligible takeout and delivery purchases) and 3 percent back at drugstores. Those bonus categories are in addition to the unlimited 1.5 percent cash back the card earns on all other purchases.

            This combination of a solid base cash back rate and a generous bonus cash back rate in multiple categories makes the Freedom Unlimited a very valuable no-annual-fee credit card and a great entry point for frequent travelers who want to get started with credit card rewards.

            How to redeem

            The Chase Freedom Unlimited offers a ton of choices for how you can redeem your rewards. You can opt for cash back in the form of a statement credit or direct deposit, redeem for travel or gift cards or shop online at Amazon.com. Like many other credit cards, you can also redeem your rewards for charitable contributions (which currently have a 25 percent boost in value).

            You can also combine your rewards with a premium Ultimate Rewards card, like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card to enjoy additional flexibility, such as the ability to move your rewards to one of Chase’s transfer partners at a 1:1 ratio.

            How much are the rewards worth?

            The value of Chase Freedom Unlimited rewards will vary depending on how you choose to redeem them. Here’s a look at what sort of value you can expect on average with each redemption method:

            • Cash back(statement credit or deposit): 1 cent
            • Travel: 1 cent
            • Gift cards: 1 cent
            • Apple purchases: 1 cent
            • Amazon.com purchases: 0.8 cents
            • Charitable contributions: 1.25 cents
            Источник: https://www.bankrate.com/finance/credit-cards/reviews/chase-freedom-unlimited/

            Chase Freedom Unlimited®

            Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

            ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

            Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

            Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

            *For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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            Источник: https://www.experian.com/credit/details/chase-freedom-unlimited

            Contents

            The Offer

            Direct link to offer

            Chase is offering an additional bonus on the Chase Freedom Flex and Chase Freedom Unlimited cards:

            • Get the standard $200 sign up bonus after $500 in spend; in addition, the card will earn 5% cashback on Gas purchases in the first year, up to $6,000 in spend.

             

             

            Card Details

            Freedom Flex

            • No annual fee
            • Card earns the following points rates:
              • 5% on rotating Quarterly Categories on up to $1,500 in total purchases (e.g. Q4 2020 will be PayPal and Walmart)
              • 5% on Travel purchased through Chase Ultimate Rewards
              • 3% on Dining 
              • 3% on Drugstore 
              • 5% on Lyft through March 2022
              • 1% unlimited cash back 

            Freedom Unlimited

            • No annual fee
            • Card earns 1.5% cash back on all purchases

            Our Verdict

            Keep in mind while these cards talk about cash back you actually earn Chase Ultimate Rewards points. This means if you have an annual fee card such as Chase Sapphire Preferred, Chase Sapphire Reserve, Chase Ink Plus or Chase Ink Preferred then you can transfer these points to travel partners. You could also use these points for the Chase Pay Yourself back feature to make them worth 1.5¢ each.

            As noted, the standard bonus on these cards is $200, and the 5% back on Gas is an additional bonus. Until recently there was a similar offer for 5x back on Grocery Stores (up to $12,000), but that has now been discontinued. We mentioned this Gas offer version floating around in the past, and it now looks to be the standard new offer on Chase and on referral links so I thought it worth a dedicated post. There’s also an alternate offer for the Freedom Unlimited card, specifically, to get an extra 1.5x per dollar spent anywhere during the first year, up to $20,000 in spend. Which offer you choose will depend on your spend patterns and on what other cards you have.

            Unfortunately a lot of readers won’t be eligible for these cards/bonus due to the Chase 5/24 rule. We will still be adding this to our list of the best credit card bonuses.

            Источник: https://www.doctorofcredit.com/chase-freedom-flex-unlimited-200-bonus-5-back-on-gas-first-year-up-to-6k-spend/
            chase freedom unlimited credit card offer

            Posted by: | on October 2, 2012
            Posted in Chase | 4 Comments »


            4 Comments to Chase freedom unlimited credit card offer

            1. Ahh I see thanks! And very nice way of splitting your legit direct deposit. That's obviously the ideal thing to do, so you can keep one going to your main account, while the other two go to the new ones.

            2. thanks for this informative video. my question is ~ if we have a personal loan on our name and reflected in bank letter, will it cause an issue while applying for PR?

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