![]() ![]() ![]() Of course, this offer isn't nearly as good as what you'll find with the Chase Sapphire Preferred Card or Chase Sapphire Reserve card, but pairing this no-annual-fee card with one of those more premium cards will only enhance your bonus potential. If you're able to maximize this first-year bonus opportunity, that's an additional $300 in cash-back rewards. The Chase Freedom Unlimited's current sign-up bonus allows you to earn an additional 1.5% on all purchases up to $20,000 spent in the first year. Related: Best Chase credit cards of 2022 Sign-up bonus The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. Approval is relatively easy, and the card helps you build a relationship with Chase so you can eventually get some of the issuer's more valuable cards down the road, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve. If you're new to points and miles, the Freedom Unlimited can be an amazing card. New to The Points Guy? Sign up for our daily newsletter and check out our beginner's guide. So, let's take a look at what makes this card so deceptively great. When I was in college, I found that this simple card with no annual fee was a much easier sell to my friends looking to build credit. In fact, the Freedom Unlimited is my first recommendation to people just starting to dip their toes into the world of travel rewards. ![]() Card rating*: ⭐⭐⭐⭐ *Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.Īt first glance, the Chase Freedom Unlimited seems like a tame cash-back card with a modest sign-up bonus - but there's a lot more to it than meets the eye. If you pair this with a card that earns premium Chase Ultimate Rewards points, you can convert your rewards into fully transferable points, doubling their value. While most cards offer 1% back on purchases outside of bonus categories, you'll earn 1.5% back on non-bonus spending with the Freedom Unlimited. When you have a higher credit limit, this lowers your credit utilization ratio, which can have a positive impact on your credit score.The no-annual-fee Chase Freedom Unlimited is a perfect card for both beginner and advanced award travelers. Ask for a credit limit increase: If you currently have a credit card account, consider asking the issuer for a higher credit limit.Over time, a history of on-time payments can help you improve your credit score. If possible, stick to making only on-time payments for all of your credit accounts. Make on-time payments a priority: Payment history accounts for 35% of your FICO score.If you spot a mistake on your credit report, you can have it removed by contacting the credit buerau and providing details about the mistake. In most cases, mistakes will drag your credit score down. Check your credit report for errors: It’s possible that mistakes have made their way onto your credit report.Here are a few ways that you work on improving your credit score: If your credit score isn’t as high as you’d like it to be, that’s okay! It’s possible to improve your credit score by making specific choices. ![]()
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