The Chase Freedom Unlimited® card offers an impressive array of rewards, making it an excellent choice for both beginners and seasoned cardholders. With 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstore purchases, and 1.5% on all other purchases, it easily outperforms many competitors. Additionally, new users can earn an extra 1.5% cash back on up to $20,000 in purchases within the first year. The rewards are in the form of Chase Ultimate Rewards® points, which can be redeemed for cash back, effectively making it a cash-back card.
Using the card for monthly expenses like subscriptions, gas, and entertainment can yield significant rewards over time. For instance, spending $750 monthly at the 1.5% base rate translates to $135 annually. Pairing this card with a premium Chase card, such as the Chase Sapphire Preferred® Card, can unlock even more value by redeeming points at elevated rates for travel.
The card also offers a generous 0% Intro APR on Purchases for 15 months, which is beneficial for new credit card users who need time to understand monthly payments and build positive credit habits. This introductory period can be a lifesaver, allowing users to avoid accruing interest charges while they get accustomed to managing a credit card balance responsibly.
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