Chase freedom unlimited reddit.

Deciding between the Chase Freedom Unlimited vs. Chase Freedom Flex isn’t always easy. The Chase Freedom Unlimited card provides 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% …The Citi Custom Cash card requires a minimum of $25 for redemption. Additionally, once Ultimate Rewards points are earned on the Freedom Unlimited and transferred to premium Chase cards, the value of the points increases to up to 1.5 cents each when redeemed for travel via the Chase travel portal. You will receive just 1 cent …This question is about the Chase Freedom Unlimited® @m_adams • 04/06/23 This answer was first published on 03/26/21 and it was last updated on 04/06/23.For the most current information about a financial product, you should always check and ...As a data point, Chase automatically raised my limit on my Slate card after one and two years, from $3000 to $5000 to $7500. I thhink it’s likely that after a year of on-time payments they raise you to $3000. Also, spending and then paying it off in full before the due date shown on your statement is due is good.

Most welcome bonuses are worth paying the annual fee, assuming you redeem points the way that they are intended. Chase points can be cashed out at 1 cent per point, which means that the 60k bonus would be equivalent to $600. Getting a $600 welcome bonus for $4,000 in spend means you would be earning 15x on spend, dwarfing the 3x standard ... The CFF is the winner for most people. If you max out just one quarter's $1500 limit worth of spending at 5% on the CFF, you earn $75 cash back. The CFU would yield $22.50 cash back for that same $1500 in purchases . $75-22.50 = $52.50 . In order to make up that $52.50 difference, a cardholder needs to spend an additional $10,500 in general ...

Use CF in the 5x categories, and CFU on everything else. CF+CFU+CSP/CSR is known as the "Chase Trifecta" and is a good combination to have. •. Chase has a rule where if you have opened 5 new credit cards within a 24 month period, you will automatically be denied for a new Chase card. This is why people in the credit card game say to get Chase ... They big differences are the that the Unlimited has a higher flat rate at 1.5% for everything. The Freedom Flex has 5% rotating categories every quarter. There is also the difference that Unlimited is a Visa and Flex is a Mastercard so those come with slightly different protections. Personally I think the Freedom Flex is easier to take ...

Chase Freedom Unlimited: Rewards Rate: 6.5% cash back on travel purchased through Chase Ultimate Rewards®; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% ... They complement each other nicely when you ignore bonuses and such, but if you have a 2% card and aren't looking to pair it with a Sapphire right now, get the Freedom Flex for the 3% dining, 3% drugstores, 5% on travel through Chase, and 5% rotating quarters (Freedom Unlimited also has the 3% on dining and drugstores, 5% on travel through Chase). Here's how the Amex Blue Cash Everyday card and Chase Freedom Unlimited card compare in our quest to find the best cash-back card for you. We may be compensated when you click on product links, such as credit cards, from one or more of our ...View community ranking In the Top 1% of largest communities on Reddit. New Chase Freedom Unlimited Signup Bonus – Get Bonus 1.5x Per $1 On Up To $20,000 (3x Ultimate Rewards Everywhere) Chase released a new signup bonus on their Freedom Unlimited card: So the rewards are: 3% On everything 4.5% on dining/drugstores 6.5% on travel …

Essential info is as follows: Current cards: (limits, opening date) BofA Cash Rewards ($600, November 2019) Discover It Cash Back ($1500, June 2020) FICO Scores: 712, 723, 720 (Experian, Equifax, Transunion) Oldest account age: 8 months. Income: $40,000. Rent: $0.

Discover It - 5% rotating categories. Chase Freedom - 5% rotating categories. AMEX Blue Cash Everyday - 3% Groceries, 2% Gas/US department stores. Chase Freedom Unlimited - 1.5% cash back on everything. Now, when I signed up for the first 3 a year ago (when I just started looking into cash back cc) Discover has his promo where they double ...

The Freedom Unlimited then earns 1.5% cash back on all purchases, while the Freedom Flex earns 1% cash back on all purchases, but will earn 5% cash back (on up to $1500 of spending) on a category that changes every 3 months. Last quarter the Freedom Flex earned 5% back on Amazon and Whole Foods, this quarter it earns 5% cash back on PayPal and ...The Chase Freedom Flex℠, launched in September 2020, and the older Chase Freedom Unlimited® have certain things in common. Both are cash-back credit cards with super-generous bonuses, long 0% ...The chase freedom unlimited is a great card to use for cash back everyday use. If not traveling a lot it’s great. The addition of 3% on dining & drugstores makes it better than 2% catch all for one card. It was my first card. Go for it- chase is great despite what some people say I’ve had no issues. 1 yr. ago Nearly all other purchases would go on either the Chase Freedom Unlimited or the Chase Sapphire Preferred. Chase Freedom Unlimited for everyday purchases for effective 1.88x. This is chosen over the 2x with Capital One Venture X because you can combine with all other Chase points, and because using travel partners can make these Freedom ... New cardholders of the Chase Freedom Unlimited® card will earn 3% cash back on all purchases in the first year up to $20,000 spent. After that, you'll always earn an unlimited 1.5% cash back on all purchases, and your cash back never expires. The card also features a 0% intro APR for 15 months from account opening on purchases and …Repeatedly rejected for Freedom Unlimited despite good credit score. I’ve been trying to apply for the freedom unlimited card and have 2 credit cards already with good history on them, to the point where I have a score above 700. My girlfriend and friend both applied for this card as their first credit card (so zero credit history) and got ...

Note that the primary cardholder is responsible for all card purchases made by the additional user. Bottom Line: The Chase Sapphire Preferred card has a modest $95 annual fee while the Freedom Unlimited card does not charge an annual fee. There is no charge to add authorized users to either card.The SoFi credit card is quite a low-cost card compared to several competing cards. There is no annual fee and no foreign transaction fees, and the ongoing APR can be relatively low at 14.49 ...Thanks for the info! 2. parisienjames • 5 yr. ago. You have decent profile to being approved. For my case, I had 1 credit card, 657 FICO, 89% utilization rate with 1 year and half history, but I still got Chase Freedom Unlimited. You will get it. 3. brainyclown10 • 5 yr. ago. Thanks!“The CSP (Chase Sapphire Preferred® Card) makes the most sense for 2 things…1. transfer points from your CFU (Chase Freedom Unlimited®) to CSP for greater ...Chase Freedom Unlimited SUB: Unlimited Double Points for 12 months (includes dining, travel portal, etc.) Seen here: https://www.doctorofcredit.com/new-chase-freedom-unlimited-signup-bonus-earn-unlimited-double-points-for-12-monthsChase Freedom. I get something in the mail almost every week for the card, offering $100 back on $500 spent and 15mos no interest. I figure this card would be easy to manage, as I already have my Amazon Visa and Auto Loan through chase. 1% back on general purchases, 5% rotating categories. Accepted most places. Discover It.

EDIT 2: For anyone interested, I was able to get the card right away after logging into Chase, going to the "Just For You" tab, and applying for the CFU in there. They just asked for my income and approved me on the spot. I had other offers as well like the CSR, CSP, and Southwestern but they were taken away once I got approved for the CFU.So the 5% is not as useful than the 3% straight cash back travel from CSR which has more MCC codes attached to it, including ridesharing and public transit. Freedom Unlimited is 5% back through their portal. CSR gives you lots more credits (i.e. $300 travel credit) and a 1.5x multiplier on all your points.

The Chase Slate Edge offers a 0% intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 ...Sending out the emails & mailing out the cards all at once is a much simpler & cost effective operation for them. My CFU says VISA Signature same a my CSP. I honestly never noticed. To my understanding, Signature cards have a minimum CL of $5000, while the Visa Infinite cards have a minimum of $10000. i.e CSR is Visa Infinite. You mean CSR.EDIT 2: For anyone interested, I was able to get the card right away after logging into Chase, going to the "Just For You" tab, and applying for the CFU in there. They just asked for my income and approved me on the spot. I had other offers as well like the CSR, CSP, and Southwestern but they were taken away once I got approved for the CFU.The Chase Freedom Unlimited® offers a 0% intro APR for the first 15 months from account opening on new purchases and balance transfers (after, 20.49% - 29.24% variable APR). There's an intro ...The $7,500 math is a little off on recouping the $150. You can't forget by using the citi card you'd be foregoing the 1.5% cashback on the Freedom unlimited. Therefore, $30,000 spending is the break even point: Citi Double = $30,000 * .02 = $600 cashback Freedom Unlimited = $30,000 *.015 = $450 + $150 bonus = $600.I think it is a good deal comparing the freedom card since I can't spend too much on each specific 5% categories every seasons. Once I get approved, I will cancel the freedom card and ask them to transfer the credit limit to the new unlimited card. Is it possible to do this credit limit transfer?2 oct 2023 ... Chase Freedom Unlimited vs Sapphire Preferred · Chase Sapphire Preferred vs Reserve · Amex Gold vs Chase Sapphire Preferred · Best Credit Cards ...

Aug 22, 2023 · The Chase Freedom Unlimited® has one of the more unique sign-up bonuses. You earn an additional 1.5% cash back on purchases, for up to $20,000 in spending, during the first year. The maximum ...

In the end, I got a secured Capital One Mastercard and my mom added me as an authorized user on her Amex. 8 months later, I got the Discover It Chrome for Students, and I've been building my collection since. I got my Chase Freedom Unlimited in March or April of this year with a FICO of ~745 and those three previously mentioned cards active.

Chase freedom has PayPal as the 5% category, which can be used online with PayPal key. Otherwise, I’m sticking to my Citi Double cash card. AOD’s 3% signature card is worth looking into. It’s a credit union, but a $5 donation to Northeast Bicycle Association qualifies you. 11.More perks and the cash back adds up quickly. In my experience, Chase has been more generous with starting limit and CLIs. Goldman Sachs has been the stingiest for limits/increases compared to the other cards I have. I like my Apple Card for financing Apple Products and the 2% cash back for using Apple Pay. The physical card is pretty.Here’s how much a cardholder could earn in the first year by charging these expenses to the Chase Freedom Unlimited card: $3,460 on groceries (excluding Walmart and Target) x …The SavorOne is one of four cards I’ve gotten since I started playing the credit card rewards game in May 2020, the others being the Chase Freedom Unlimited, the Chase Freedom Flex, and the Wells Fargo Propel (before it was discontinued to new applicants). The SavorOne is definitely a solid, all-around card.By Issuer. Best Citi Credit Cards. Best Chase Credit Cards. Best American Express Credit Cards. Best Capital One Credit Cards. Best Discover Credit Cards. Best Bank Of America Credit Cards. Best ...After your average rent payment of $1164, and your average used car payment of $465, you are left with $2,371/month to spend. Assuming you spend every penny of that on a Freedom card, the difference between the CFU 1.5% ($35.57 cashback) and the CFF 1% ($23.71 cashback) is $11.86.it is kind of straight 2% cashback on all purchase. Capital One Venture / Venture X Credit card. 2X back on all purchases other than Capital One Travel Portal. But, while redeeming those points as cashback their value is 1 point = 0.5 cpp. As you already have Chase Freedom Unlimited, CSP/CSR makes more sense for you.hace 2 días ... You may still like this rewards program, but you should consider what the Flex and Unlimited cards offer. Chase Freedom Flex℠. Rewards. 5% cash ...You want to maximize rewards: Freedom card members who want to double up rewards in rotating bonus categories should consider applying for Flex. Since both cards offer 5% cash back on up to $1,500 ...

Chase Freedom Unlimited: This card is offering a welcome bonus of an additional 1.5% back on all purchases within the first year, up to $20,000 in total spending. This welcome bonus could potentially be worth up to $300.Neither is “better”, just use each for their strengths. Assuming you don’t have any other cards: SavorOne: Groceries, Streaming, Entertainment, Uber/Uber Eats (and Uber One) Both of the cards are 3% on dining, so you can use either one. Good point. Ya I don’t have any other cards only CC now is CFU.The Chase Freedom Unlimited® wins the head-to-head cash back battle against the Discover it® Cash Back thanks to its long-term value and straightforward earning ability. The card also offers strong …Instagram:https://instagram. paul vunak booksweather gulf shores alabama 10 day forecastpampa furniture exchangeboost acp program customer service 70-30 seems low, you’re probably closer to 90%. I would 100% go for it. The inquiry won’t even be that big of a deal. Don’t worry if it isn’t an automatic approval. They’ve been requesting a lot of income verification. That’s probably all it is. (If you don’t mind use a referral link, it’s an extra $100 for whomever!) Reasonable ... baltimore county yard waste scheduleway to go card indiana The Chase Freedom Unlimited ® credit card awards 1.5% cash back for every $1 spent on all purchases. You also earn 5% cash back on travel purchases made through Chase Ultimate Rewards ® and 3% cash back on dining purchases at restaurants, including takeout and eligible delivery services, and drugstores. Cash back points can be redeemed ... 3. Chase Freedom Unlimited ®. The Freedom Unlimited card is one of the best no-annual-fee credit cards available. As a Visa credit card, the Freedom Unlimited card can help you shop with confidence at Costco stores and on Costco.com. Remember, this impressive credit card offers up to 5% cash-back on your purchases: elden ring caestus The main difference is in the highlights of their rewards structures: The Freedom Flex card offers 5% cash back on rotating quarterly categories, while the Chase Freedom Unlimited offers a flat-rate 1.5% cash back on everything. Read on to get a rundown of the pros and cons of each card, as well as which card is better suited for you, based on ...Nearly all other purchases would go on either the Chase Freedom Unlimited or the Chase Sapphire Preferred. Chase Freedom Unlimited for everyday purchases for effective 1.88x. This is chosen over the 2x with Capital One Venture X because you can combine with all other Chase points, and because using travel partners can make these Freedom ... The difference between freedom unlimited and sapphire preferred is in redemption value. Freedom unlimited only allows you to redeem points at 1:1 cash value. Sapphire preferred adds the ability to purchase travel at 1.25x value. Additionally with sapphire you can transfer points to hotel and airline programs where it is possibly to get even ...