Chase Freedom Unlimited Credit Card

Chase · US

Sign-up bonus

20,000 Chase Ultimate Rewards

Annual fee

Purchase APR

18.49–27.99% (varies by applicant)

Cash advance APR

28.74%

Intro purchase APR

0% for 15 months

Intro balance-transfer APR

0% for 15 months

Penalty APR

29.99%

Balance-transfer fee

3% for 60 days, then 5%

Rate formula

Prime 7% + 11.49–20.99%

FX markup

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-10-11

How to earn it

Spend $500 · within 3 months

Tracked since 2026-07-22 (15 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.