The Chase Freedom Unlimited® credit card has features, benefits and perks that may be ideal for first-time credit card users. When it comes to applying for your first credit card, it's important to consider how your lifestyle and spending habits align with what the credit card has to offer. If you are just starting to build your credit history, you may be interested in a credit card that has no annual fee, a flexible rewards program and an opportunity to earn a new cardmember bonus.
As far as rewards programs go, the Chase Freedom Unlimited® credit card offers cash back rewards on all purchases and flexible ways to earn even more on select purchases.
What makes the Chase Freedom Unlimited® credit card good for beginners?
- Low annual fee: Enjoy a low annual fee for enjoying the perks, benefits and features of the card — this can be especially useful for students with low incomes or recent graduates.
- Cardmember bonus: New cardholders have the opportunity to earn a $200 bonus after spending $500 on purchases within the first three months of opening the account.
- Low interest for introductory period: The Chase Freedom Unlimited® credit card offers a low intro APR on purchases for the first 15 months after opening the card.
- Rewards: Cash back rewards may be redeemed toward gift cards and travel, requested as a statement credit or as a direct deposit in your bank account. Additionally, cash back rewards don't expire as long as your account is open.
Does Chase Freedom Unlimited® offer cash back?
Cash back rewards may be earned through various spending categories.
Travel: Earn 5% cash back on travel purchased through Chase Ultimate Rewards®.
Dining: Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services.
Drugstore: Earn 3% cash back on drugstore purchases.
All other purchases: Earn 1.5% cash back on all other purchases.
What are the benefits of the Chase Freedom Unlimited® credit card?
The Chase Freedom Unlimited® card offers the following benefits:
Lyft: Through March 2025, you can enjoy 5% cash back on qualifying Lyft rides. That's 3.5% cash back rewards in addition to the 1.5% cash back you already earn.
DoorDash: This card offers three months of complimentary access to DashPass, a subscription service offered through DoorDash that provides $0 delivery fees on eligible orders. After the complimentary access expires, you will automatically be enrolled in DashPass at 50% off for the following nine months.
Extended warranty protection: Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Zero Liability Protection: You won't be responsible for unauthorized purchases with your Chase Freedom Unlimited® credit card.
Free credit score & identity restoration services: Access your credit score at any time and get no-cost identity restoration services with Chase Credit Journey. This will help you monitor your credit score and see how your payment history affects it over time.
A good first credit card
First-time credit card users may find the Chase Freedom Unlimited® credit card useful thanks to the low annual fee and low intro APR period of 15 months. In addition, the rewards program is easy to manage and redeem for experiences and services that are important to you.
If you are a college student, you may be also be interested in learning about the Chase Freedom Student Credit Card; which does not charge annual fees and offers good standing awards to eligible students.