Consumer Reviews, Credit Score and Income Needed, Credit Limits
Chase Freedom Unlimited

Picture of Chase Freedom Unlimited
30 Reviews
Consumer Rating:
4.4
Lowest:
620
Average Score:
735
Highest:
814

Based on our consumer data, the average score approved for the Chase Freedom Unlimited is 735. The lowest score approved was 620 while the highest score approved was 814. 18% of our reviewers got credit limits between $1,001 to $3,000 and 18% also got limits in the $3,001 to $5,000 range. 29% got starting credit limits between $5,001 and $10,000 while 26% got credit limits between $10,000 to $20,000. You will have good approval odds is your score is in the 700 range.

All
5 Star
66%
4 Star
20%
3 Star
3%
2 Star
3%
1 Star
6%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 785 Credit Limit: 8000 Age: 35-44
Income On Application: $100000
Posted 03/03 2020
Overall Rating:
I am really pissed with Chase. They advertised a sign up bonus and I did not get that even though I met the spending requirements within three months. I am totally pissed off with Chase.
 
Credit Score: 735 Credit Limit: 12000 Age: 45-54
Income On Application: $125000
Posted 02/19 2020
Overall Rating:
Was instantly approved for $12k in limit with a 735 score. This is now my main go to card.
 
Credit Score: 790 Credit Limit: 10000 Age: 45-54
Income On Application: $110000
Posted 01/10 2020
Overall Rating:
I have a very good credit score and got approved for $10k in limit. For the most parts, I paid my bills in full and never charged more than $3k on my card. I decided to renovate my kitchen and bathroom and spent quite a bit on supplies (about $7k). I decided to carry a balance for a couple of months before paying it off. After I paid it off, they reduced my credit lines to $3k! I called customer service but was given stupid reasons why they cut my credit lines. The bottom line is if Chase thinks your utilization is too high, they may very well reduce your credit limits with no warning after you paid off your balance in one swoop. Be very aware.
 
Credit Score: 741 Credit Limit: 6000 Age: 35-44
Income On Application: $80000
Posted 11/29 2019
Overall Rating:
I am a cash back person and love the fact that I can simply earn 1.5% for every purchase. However, I just recently got the Citi Double Cash with a $10k limit and earning 2% is definitely better than 1.5%. I have gradually moved most of my spending to the Citi Double Cash. I do realize that if you have the Sapphire Preferred, you can combine points and transfer to airline partners. But since I am only interested in cash back, Citi is better for me.
 
Credit Score: 789 Credit Limit: 10000 Age: 45-54
Income On Application: $140000
Posted 11/25 2019
Overall Rating:
I am really happy that Chase came up with this card. I already have the CSP and the original Freedom card (with the 5% rotating categories). Now the Freedom Unlimited is a perfect addition to my Chase cards because I will now earn 1.5X rather than just 1X on "regular" spending. The sign up bonus is ok (not spectacular) but to me, this is a keeper card if you want to maximize your UR earnings.
 
Credit Score: 712 Credit Limit: 3000 Age: 25-34
Income On Application: $45000
Posted 10/28 2019
Overall Rating:
I only have 3 years of credit history and my score is just 712. I do have a checking account with Chase and I was quite surprised when I was approved and my limit was $3k. I downloaded the app and everything about the card has been great so far.
 
Credit Score: 630 Credit Limit: 4000 Age: 35-44
Income On Application: $60000
Posted 06/22 2019
Overall Rating:
My score was 630. I absolutely think I did not have a shot but just applied anyway. Lo and behold, I got approved for $4k limit. I do have a checking account with Chase which may explain why I got approved.
 
Credit Score: 678 Credit Limit: 1000 Age: 35-44
Income On Application: $45000
Posted 06/16 2019
Overall Rating:
My score was about 678 with EQ and I got a $1000 starting credit limit. After a few month, it was increased to $3000 and now I have a $4000 credit line. Chase has been good to me so far.
 
Credit Score: 794 Credit Limit: 15000 Age: 35-44
Income On Application: $130000
Posted 04/17 2019
Overall Rating:
This is my first Chase card and I chose this for the 1.5X on all purchase feature and also for the 0% 15 month balance transfer. The balance transfer went smoothly and so far everything is great (including the Chase app).
 
Credit Score: 814 Credit Limit: 15000 Age: 18-24
Income On Application: $170000
Posted 04/04 2019
Overall Rating:
I have the CSR and this card is a perfect companion to the card. I used to have the original Freedom card but really hated the rotating categories. This card suits me just fine.
 
Credit Score: 620 Credit Limit: 1000 Age: 18-24
Income On Application: $10000
Posted 02/11 2019
Overall Rating:
I am a college student and only 19. When I was young, my mom opened a Chase checking and savings account for me. I was at the branch one day when I decided to apply for this card at the branch. To my surprised I was approved for $1000. I am really happy and shocked as well because I was denied for Citi and Discover. My checking account might have something to do with this.
 
Credit Score: 740 Credit Limit: 4000 Age: 45-54
Posted 01/05 2019
Overall Rating:
My scores range between 740-750 across the three credit bureaus. When I applied for the card, I put unemployed since I was in between jobs (probably too honest!). Yet I got approved for $4000 limit.
 
Credit Score: 690 Credit Limit: 4000 Age: 25-34
Income On Application: $45000
Posted 12/13 2018
Overall Rating:
I have been rebuilding my credit and earlier this year, all of my negative items have dropped off my credit report. So this is the first card from a "proper" issuer that I applied for. My score was around 690 and I got a $4000 limit. I also have 2 secured cards and a couple of store cards (low limits like $500), so the limit I got was a nice surprise.
 
Credit Score: 784 Credit Limit: 15000 Age: 35-44
Income On Application: $95000
Posted 11/03 2018
Overall Rating:
Like some folks here, I got this card because I already have the Chase Sapphire Preferred and Chase Freedom. This card will help me earn even more UR points.

This card only makes sense if you plan to combine it with either CSP or CSR so you can transfer points to airline or hotel partners. As a cash back card, you are better off getting the Citi Double Cash (which pays you 2% cash back).
 
Credit Score: 808 Credit Limit: 8000 Age: 25-34
Income On Application: $180000
Posted 09/28 2018
Overall Rating:
I got approved for $8k in credit lines. To me, that is rather low considering my score and income. However, I already have a $20k line with the CSR so I guess Chase has to do some rationing! If you have either a CSP or CSR, then you definitely have to get this card to maximize your UR points. It is a no brainer.
 
Credit Score: 773 Credit Limit: 6000 Age: 35-44
Income On Application: $75000
Posted 09/27 2018
Overall Rating:
I am a cash back person and this is only one of two cards that I have (the other being the Citi DoubleCash). I got this card because I was only given a $2000 limit for the Citi. 1.5% is less than 2% but like I said, got this because I wanted higher overall limits on all of my cards. I did have a dispute with Chase over a fraudulent charge and I find the process of going through that a little cumbersome. So that is why I am giving card a three star.
 
Credit Score: 743 Credit Limit: 7000 Age: 35-44
Income On Application: $90000
Posted 08/24 2018
Overall Rating:
I have the Chase Sapphire Reserve and I find this the perfect card to compliment the CSR. For non-travel and non-dining charges, I simply use the Freedom Unlimited rather my CSR and the extra points do add up. I easily met the spending requirements and got my bonus. I actually also decided to use the 0% APR intro offer and carried a balance for a few months.

As a background, my score was 743 with TransUnion and income is 90k. I applied and was instantly approved and the next time I checked my app, the card was next to (or below) the CSR.
 
Credit Score: 720 Credit Limit: 5000 Age: 25-34
Income On Application: $70000
Posted 05/18 2018
Overall Rating:
I have just graduated for a few years and do not really have a great credit history. I have a Cap One Journey from my college days and the limit is only $300. I also have a Discover It (also from my college days) and my limit for that is only $400. I do bank with Chase and my scores are borderline 700. EQ is 720 but EX is about 695. So I really surprised when I got approved for a $5000 limit (my highest). Since this is my highest limit credit card, I have been using it as my main card for most of my expenses.
 
Credit Score: 756 Credit Limit: 3000 Age: 18-24
Income On Application: $30000
Posted 03/16 2018
Overall Rating:
I am a junior in college and I applied for this card and just got approved for $3000. I also have the Citi Doublecash and Discover it and wanted to get on board with a Chase card. I do co-ops and so have a decent income (for a student) to report. That is why I think my limit is rather generous for a college student.
 
Credit Score: 727 Credit Limit: 3000 Age: 25-34
Income On Application: $65000
Posted 03/04 2018
Overall Rating:
I got approved instantly when I applied online. This is my first credit card with Chase and my scores were bout 727 average across all three credit bureaus.
 
Credit Score: 670 Credit Limit: 2500 Age: 25-34
Income On Application: $55000
Posted 11/20 2017
Overall Rating:
Credit Karma says I have fair approval odds for this card and actually this is one of their recommended cards for "my profile". My EXP score was 670 and after I submitted my online application, I was told I had to wait 30 days. About 2 weeks later, I got approved for $2500 starting limit.
 
Credit Score: 630 Credit Limit: 3000 Age: 35-44
Income On Application: $65000
Posted 11/09 2017
Overall Rating:
I really was not expecting to get approved for this card with my score (630 with TransU and EQ). But I got approved and it was instant as well. My starting limit was $3000 (which is not bad for my score). I have downloaded the Chase app and I do like it very much.
 
Credit Score: 748 Credit Limit: 10000 Age: 18-24
Income On Application: $90000
Posted 10/19 2017
Overall Rating:
I graduated 2 years ago and have landed my dream job with a very good pay. I got approved for $10k credit line instantly. Prior to this, I have the Discover and BOA cards when I was a student. The Chase app is super easy to use and I really like this card since it pays you 1.5X for all purchases. My Discover has this rotating category which I find to be a nuisance actually.
 
Credit Score: 663 Credit Limit: 1000 Age: 35-44
Income On Application: $70000
Posted 08/01 2017
Overall Rating:
I got this card when my score was 663 and was approved for $1000 limit. I pay in full every month and after 9 months, I had my limit increased to $2000. So far, I am very pleased with this card.
 
Credit Score: 810 Credit Limit: 12000 Age: 35-44
Income On Application: $100000
Posted 07/29 2017
Overall Rating:
I am an existing cardholder of the Chase Sapphire Preferred and Chase Freedom. When this card came out, I applied immediately and got approved for $12k limit. My existing limits for the CSP and Freedom was also about 10k. I got this card because the points I earned can be transferred to airline and hotel partners because I am a CSP holder. For reference, my average score across all bureaus was about 810 and income is 100k.
 
Credit Score: 700 Credit Limit: 3500 Age: 25-34
Income On Application: $65000
Posted 07/27 2017
Overall Rating:
Love this card and love chase. I wish my limit could be a little higher but so far, I have no complaints. I pay off my bills every month in full and love that you simply earn 1.5% on everything.
 
Credit Score: 768 Credit Limit: 8000 Age: 35-44
Income On Application: $85000
Posted 06/14 2017
Overall Rating:
I already have the CSP and the Ink Cash for my business. So this card compliments my other Chase UR cards nicely. Now, instead of just earning 1X on "regular purchases", I am earning 1.5X. This has really added up over time and I am earning more UR points now than ever before.
 
Credit Score: 806 Credit Limit: 10000 Age: 45-54
Income On Application: $150000
Posted 03/02 2017
Overall Rating:
I have the Ink Preferred for my business and have decided to get this card for my personal spending. I think this combo makes the best sense for my situation.
 
Credit Score: 712 Credit Limit: 2000 Age: 25-34
Income On Application: $50000
Posted 11/08 2016
Overall Rating:
This was my first chase card that I applied for and I got a $2,000 CL. After 4 months, they increased it to $4,000. Can't be happier.
 
Credit Score: 725 Credit Limit: 5000 Age: 35-44
Income On Application: $85000
Posted 10/15 2016
Overall Rating:
My EQ score was 725 when I applied and I was approved instantly for $5000 limit. I met my spend requirement and got my $200 signup bonus. I also took advantage of their 0% apr and bought a new laptop. I found that the Chase app is also very user friendly.