Apple Card Vs Chase Freedom Unlimited Reddit

Apple Card Vs Chase Freedom Unlimited RedditChase or Capital One? : r/CreditCards. They want to switch my primary card Platinum Wells Fargo Cash Back Card (1%) to there new Active Cash Card (2%). ago CFU also gives more benefits than Apple Card. 25% flat on all other purchases with a. 5% on misc spending vs just 1% on SavorOne but 2% misc cards aren’t. They use other things such as address and/or date of birth to figure out who it is. I'm currently at 3/24 for their 5/24 Rule. In this video, I am doing a Chase Freedom Flex vs Chase Freedom Unlimited credit card comparison because these are two of the best no annual fee credit cards. The Discover it Cash Back requires cardholders to activate the categories every quarter. A churner may choose to get the Freedom Unlimited now and bank the welcome bonus. But the Chase Freedom Unlimited may offer a better rewards value, especially with the newly added rewards categories. Chase Freedom Flex vs Chase Freedom Unlimited (2022). 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash …. They double your credit limit like every 6 months. My parent's card (the one I'm an AU on) is 16 years old. When you compare the Citi Double Cash card’s flat rate of up to 2% cash back (1% when you buy, 1% as you pay off your purchases) to the Chase Freedom Unlimited’s 1. Rewards are earned on every purchase you make with either card. The Freedom card and Freedom Unlimited card are 2 similar cash-back cards, but they’re a world of difference away from the Chase Sapphire Preferred card. Amazing new bonus categories – HIGHLY RECOMMEND THIS CARD; Chase Freedom Unlimited® When I received my bonus points, I was able to transer points to Apple and they were worth 25% more (at select times)! I was able to get the latest and greatest iphone and didn’t have to pay a dime. I'm sort of new to credit cards admittedly, but I sprung for the CSP about 6/7 months ago during a move and hit the bonus relatively easily. I am 30 and working with a FICO 726 but only 1y credit history. I have the Chase Sapphire Preferred and Freedom Unlimited. The no-annual-fee Chase Freedom Flex℠ is one of the best cash-back credit cards on the market. I've used it for CSR and BofA card purchases, including a laptop. Does anyone have both cards, or otherwise know, if I will be eligible for the freedom unlimited's sign up bonus? Yes you can. The Chase Freedom Unlimited® card is one of the best no-frills cashback cards on the market, so how does it compare to the newly released Apple Card? Our Pick. The addition of 3% on dining & drugstores makes it better than 2% catch all for one card. The Amex cards that no one cares about are the same way. While Apple Card will be a great card for most people, those who are looking to maximize their earning potential for travel will be much better served with the Chase Sapphire Preferred® card. Which is why people get both cards you can combine points. 5% cash back on general purchases. Plus, 5% back on travel booked through Ultimate Rewards, 3% back on dining, 3% at drugstores, along with 1. The ink Preferred will offer better rental protection. Several other restaurant chains do continue to offer discounts to senior c. 5 yrs old (sock drawer) Apple Card, $5k limit, 2. I currently have a Chase Freedom Unlimited (~1 year ago) and spend around $300-600 per month out of $4200 credit limit. Chase Freedom Unlimited vs Sapphire Preferred. Although Chase Freedom Unlimited only allows you to earn 1. I’ve been on my parents’ credit card for about 10 years now and have a credit score of about 760. Visa Cash Rewards Bank of America on October 16, 2017. I had this same exact message and was eventually approved, it was a huge headache and many phone calls though (they wanted me to verify over the phone that I wanted the card, felt excessive) and I will probably avoid Chase credit cards in the future just because of how inconvenient their application process is. I'm thinking about getting an Apple Card, but I'm wondering if I'm missing anything. 5% for uncategorized spend, 3% at drug stores, but has a 3% foreign transaction fee. Hi, I have the original Chase Freedom card which is no longer being issued. 5% cash back on all other purchases. CFU has recently made some changes: two categories (restaurant and drugstore) at 3% and all other categories at 1. I use it primarily for Apple products and quick AP transactions on my Watch (gas, public transit etc. I was considering the Chase Freedom Unlimited vs. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1. 5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Also, the. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Chase Adds Bonus Redemption Offers for Apple and Others. Both cards will earn 3% cash back on dining and pharmacy purchases, and 5% cash back on Chase's travel booking website. would all get 2% instead of 1%. 25 cents: Chase Sapphire Preferred card or Ink Business Preferred card; 1. 5% cash back on all non-bonus purchases. Solid welcome offer; 0% intro APR …. The information for the Chase Freedom Unlimited® has been collected independently by Johnny Jet. 5% cash back on all other eligible purchases. Here’s what you can do: get the discover it cash back card as your 1st card to build credit history. Both of these cards offer very good cash-back rates on …. The Chase Freedom Unlimited® Visa card earns 1. I’ve been looking at either getting the Chase Freedom Unlimited or the Capital One Savor mostly because of the 200 dollar cash bonus after spending 500. And now, Chase is bringing back a points redemption offer where eligible cardholders can get up to 50% more value when purchasing any Apple product through Ultimate Rewards until Nov. I actually think I slightly prefer Flex for the 5% rotating bonuses. Capital One Venture Rewards Credit Card: Best for flat-rate earning. definitely the gas until i get a citi custom cash, things like target, amazon, and walmart i definitely will use. $300 on all other purchases on the Freedom Unlimited card, earning 450 points at 1. Chase Sapphire Preferred - probably gonna cancel this one in a couple months if I don't get a retention bonus. 72 cash back per year with Capital One SavorOne Rewards and $262. My Citi and Amex cards have far better kickbacks. Best credit cards to go with the Chase Sapphire Reserve. 5% for uncategorized spend, 3% at drug stores, but has a 3%. 4:02 Watch Now Apple Card is virtual first, physical second Applying for the card, checking your transaction history and paying your bill all take place on an iPhone. Chase places a $400 daily maximum on ATM withdrawals for student checking accounts and $500 on regular checking accounts. See our Chase Freedom Flex credit card review and Chase Freedom Unlimited credit card review for more information. The Chase Slate Edge does not earn rewards on purchases. Chase Freedom Unlimited First Timer. 56 cash back per year with Chase Freedom Unlimited and $240. Citi Double Cash or Chase Freedom Unlimited? : CreditCards. Here’s why the $95 annual fee is …. BoA: 3% choice, 2% grocery, 1% others. Capital One Quicksilver Cash Rewards Credit Card. Using the Reserve, Freedom Unlimited and Freedom, for example, would net you 4. Chase Freedom or Freedom Unlimited? : r/CreditCards. It doesn’t charge any fees at all – including penalty and transaction fees. No Annual Fee Credit Cards from Citi, Chase. How Can You Redeem Your Chase Freedom Rewards Points?. 77 in cash back, and the remaining $16,831. Apple Card earns 2% on everything with Apple Pay and Chase Freedom Unlimited earns 3% back on everything the first year – Chase Freedom Unlimited. Learn more about the Apple credit card here. Cardholders will be evaluated for a credit limit increase in as soon as six months The Chase Freedom Student card is being discontinued for new applicants on June 11, 2023 in favor of the new Freedom Rise card. 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. In general, if you have a similar or better catch all card, I would say go for the Flex. Citi ® Double Cash Card; The Best Business Card for Uber and Lyft. I went with the Freedom Unlimited because it is less similar to my existing Discover card with its 5% rotating categories that the Flex has, so I have less of a risk of the categories crossing each other, plus the 1. Additionally with sapphire you can transfer points to hotel and airline programs where it is possibly to get even. 25 cents per point for travel booked through Chase, or transfer to an airline. 5% on travel booked through the Ultimate rewards portal. Ok I’m still stuck on which one I should choose at the moment. The Prime Visa card offers greater points value at checkout for Amazon purchases, at 1 cent each. It's worth a shot since you have a good score and you're under 5/24 (meaning you haven't opened 5 or more cards in the past 24 months). If you have the Freedom card, your card won’t be canceled, but. I am a first time CC user so that explains why my interest is so high. Swap CapitalOne QuickSilver for Chase Freedom Unlimited?. That said, having a Chase travel credit card can impact your points’ values depending on how …. In addition to the Apple promotion, Chase Freedom cardholders will get 10% off when they redeem their points for select gift cards and upwards of 5% bonus cash back from select stores when they. But 4% on gas and 3% on dining seems better than 1. Only the Unlimited will work at Costco, since they only take Visa and the Flex is a Mastercard, so there's that to consider. Based on identical spending inputs, you’ll earn $234. If you own the Chase Sapphire Preferred but think the rewards and benefits on the Reserve card would be a better fit, you can request an upgrade online through your Chase account or call Chase. Bank of America Customized Cash Rewards for Students vs Chase Freedom Student. The Chase Freedom Flex℠, launched in September 2020, and the older Chase Freedom Unlimited® have certain things in common. 0% for 15 months from date of account opening. Based on identical spending inputs, you’ll earn $262. Chase Freedom Unlimited review: A great card for beginners and …. If you can't use Apple pay and it's not one of their 3% merchants than just use the CFU. The Freedom Flex has 5% rotating categories every quarter. It seems to be a MasterCard limitation preventing it. Chase’s UI, customer service, and product lineup is the best in my opinion. The April to June rotating category for DiscoverIt is gas, which I imagine most folks are using less of these days. It states on Chase's website you cannot get the sign up bonus for the "same" card within a 2 year period. Thanks! Freedom unlimited since you already have a 5% rotating with chase (they’ll be the same). TLDR; ink Cash= better earning, ink Preferred. 5% cash back vs 1% on the flex, but is 0. Finally got approved for the Chase Freedom Unlimited. I find that each year I get about $300 more from them when I book, so the $95 a year charge doesn't bother me. However, although Chase offers 0% for 15 months on purchases and balance transfers, Discover only offers 0% for 15 months on purchases and balance …. 57 cashback) and the CFF 1% ($23. Chase is offering some users a sign up bonus of 3% cash back on all purchases on the Chase Freedom Unlimited for the first year. Just like in the last few years, PayPal is back as a bonus category on the Chase Freedom (no longer available to new applicants) and the Chase Freedom Flex℠. Compared to many cards in similar rewards categories, this annual fee can quickly pay itself off if you can make use of the benefits. 5 cents per point: the same $200 flight is now 13,333 points. But with the Citi Double Cash and the Chase Freedom Unlimited, you have to choose one feature or the other. It offers the same year-round bonus cash back categories (5% back on travel, 3% back on dining and 3% back on drugstore purchases) as the Freedom Flex, as well as 1. If you want Cashback and are willing to get 2 cards, the best set up may be Amex BCE and WF Autograph. So the 104,000 points you get from the CS (R) bonus is now worth $1,560. If they reject you, the Discover IT card is another basic rewards card designed for students/people with limited credit history. 5% on all purchase categories during the first year up to $20,000. The Golden Apple card was a senior discount program that the restaurant offered exclusively to senior citizens. 5% cashback regardless of spending category. Its other benefits can be covered by the Freedom Flex, as well as other Chase credit cards. You can earn $200 cash back after spending $1,000 in the first three months with the Wells Fargo Cash Wise. The Freedom Unlimited has a $200 sign up bonus that you could put towards the. Bank of America Cash Rewards. I have the Chase Freedom Unlimited card and am approaching 50K points. As far as I’m concerned, they can make the design as …. If you already have a premium Chase card, the Freedom Unlimited card is a worthy addition to your wallet. As you can see in this specific spending example, the Chase Freedom Unlimited. Or other non-category expenses such as car repairs. This is a comparison between the Chase Freedom Flex and the Chase Freedom Unlimited credit cards. My question is, I should redeem the points. The Blue Cash Everyday® Card from. Most 2% cards don't have a SUB, while most 1. To max out the rotating categories with the Freedom you’d spend $1500 to get $75 every quarter ($1500 x 0. The Sapphire Preferred is billed as the best travel card but it's only 2% on travel and dining. One of the best ways to earn travel rewards is through credit card points, and Chase offers some of the best options out there. 5%, keep my basic freedom for the rotating categories that don't. Both cards earn ultimate rewards points even though the freedom unlimited is called a cash back card. The new trifecta drops the Chase Sapphire Reserve® card — and its hefty $550 annual fee — and swaps in the new $0-annual-fee Chase Freedom Flex℠ card. 99 delivery fee on orders over $35, gives you a 5% credit back on eligible pickup orders, and lowers the service fee from 5% to just 1. I haven't used it for CFU purchases, but www. With all of the new options, it can be easy to. It comes with free UberOne membership plus 10% back on Uber. Hello everyone, For context, I just recently got approved for a CFU card with a 1,500 limit at 27. Freedom unlimited is a better catch all card so it is always the best on to get first. Blue Cash Preferred® Card from American Express. 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back. 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent back) 5 percent cash back on Chase Ultimate Rewards travel. The chase freedom unlimited is a great card to use for cash back everyday use. In addition to cash or credit, there is Google Pay, Apple Pay, PayPal, Venmo, and CashApp. I submitted a claim for a Lenovo laptop (PSA: never buy Lenovo) and then had a local repair shop write up a repair estimate. Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple; Amazon Fresh and Whole Foods, as well as for travel booked through Chase, plus 2% back at restaurants, gas. Chase ink business cash or ink business preferred? : r/Chase. Apple Card gives 3% back but no insurances. The CSP is not meant for everyday expenses since there’s too much overlap between that and CFF/CFU (aside from online groceries). 5 points per dollar spent on all other purchases. They big differences are the that the Unlimited has a higher flat rate at 1. Redeeming Chase Ultimate Rewards : r/CreditCards. I'm sure most in the points and miles world already know how this turns out. 5% back per dollar spent in all categories during the first year, up to $20,000 in spend ($300 bonus cashback). The Apple Card was my first and definitely wasn’t a great choice but i have about $100 a month in bills to apple so it works out fine. The only MasterCard that I know of that can be added instantly is the Apple Card and I believe there are one or two other that exists out there. Capital One Quicksilver: There’s a Clear Winner. Among the most popular cash-back credit cards, those with the most similar payouts to the Apple Card are the Citi Double Cash, the Chase Freedom Unlimited, and the Capital One QuickSilver. Also, do keep in mind there are better cards than both of those out there!. Citi Double Cash Card vs Chase Freedom Unlimited : r/CreditCards. Chase Credit Cards: Which Are Better?. 5" BofA additional 2% cash back (on top of e. I could get a Citi card for the 2%, but I value the Chase points wayyyyy more since I can transfer out to Hyatt and others, so I would rather build chase points than collected generic cash back for 0. Chase Freedom Flex vs Freedom Unlimited. But I never intended it to use it as my daily driver. The difference between freedom unlimited and sapphire preferred is in redemption value. Use the other Freedom to cover the quarterly category Flex covers. Thanks to Chase’s partnership with Lyft, you can also earn 5% cash back on Lyft rides paid for with the Freedom Unlimited (through March 2025). For the Chase Freedom, all bonus categories for a given quarter earn 5% back, there is no need to make any choices. 5x points per $1 is permanent and the primary benefit of the CFU. At first glance, we see that the Ink Business Cash card has 5% and 2% cash-back categories (which are capped on the first $25,000 spent annually), compared to the Ink Business Unlimited card’s flat 1. It allows you to apply points to purchases at grocery stores, dining, and home improvement stores retroactively up to 90 days at the 50% bonus. 5% with FU at Costco so FU wins there. The Apple Mastercard from Goldman Sachs is a good credit card for people who make a lot of purchases with Apple Pay, and it’s easily worthwhile given its rewards and $0 annual fee. The cash out value of those points are 1 cent each, but since you mentioned travel rewards, I'm assuming you have one of the travel / transfer. It is metal card sandwiched between two sheets of plastic. Chase Sapphire Preferred (CSP) only has the Pay Yourself Back (PYB) benefit for now to redeem 1. If you want high end Travel card. Earn 5 points per dollar spent on prepaid hotels and car rentals booked directly in the Altitude. The Fidelity redeems in $25 minimum, but only. The Chase Freedom Flex℠, which has a $0 annual fee The Chase Freedom Unlimited ®, which has a $0 annual fee The combined annual fee on the cards is $550, which is well below the combined Amex fee. About a hundred different brands - most are $25 for $20 or $50 for $45 (10 to 20. It is possible to be approved for two Chase cards within the same month, but there is a moderate risk of denial. I've narrowed it down to WF Active Cash and Chase Freedom Unlimited and looking for feedback based on what's important to me. The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. it is kind of straight 2% cashback on all purchase. The Chase Freedom Unlimited, meanwhile, earns you at least 1. This benefit does not cover cell phones that are lost (i. I got interested in these two due me being a beginner with credit cards and these two seemed to keep popping up. The Best Credit Cards to Pair With the Chase Freedom Unlimited. Update: Some offers mentioned below are no longer available. The Chase Freedom Unlimited® will either be a Visa Platinum or Visa Signature. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. FNBO is the same reward structure and $200 sub as WF, but has no Cell Phone insurance. Chase Freedom Flex℠: Best card for cash back on multiple categories. FICO Score: 749 Transunion, 756 Equifax. The Chase Freedom Unlimited® card gives 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1. My other daily use card is the Chase Freedom …. The Citi Double Cash also has no annual fee and earns 2% cash back on everything you buy — 1% when you make a purchase, and 1% when you pay it off. The Chase Freedom Rise * offers just one long-standing bonus rewards category—5% back on Lyft rides. Chase will automatically match all the cash back you've earned in the first 12 months with no limit. Winner: Capital One SavorOne Cash Rewards Credit Card. Chase Freedom Unlimited is one of the best cards on the market for uncomplicated, no-frills cash back and no annual fee. Unless you’re trying to get all your Chase cards early and/or sign-up bonuses, then get both. Chase Freedom Unlimited SUB: Unlimited Double Points for 12 months (includes dining, travel portal, etc. So I would not worry about the limit being extremely low in your case unless you have other high limit chase cards that equal half of your stated income as they prefer to extend credit 50% of your annual income. CLI on a Chase Freedom Unlimited. Additionally, you’ll want to learn about Chase’s 5/24 rule, Freedom Unlimited card requirements, and Capital One Venture card requirements before applying for either card. Prior to that, I used CFU which I still use for basically everything not travel/dining. What is the best way to replace my Chase Freedom with an. I was curious what the opinions here are on how to make the most of the points. All I’m seeing from C1 QS is the flashy $200 bonus with 1. if you already have chase other credit cards and you applied and apporved for New Chase Slate Edge card with 18 months 0 zero BT offer. The Chase Freedom Unlimited seems easier to get approved and the points may be a good investment for the. 5x on travel purchases through Chase Ultimate Rewards. I'll get the Freedom another time. Double Cash or Chase Freedom Unlimited?. Generally, Chase is viewed to have better cards in general with the exception of the WF BILT as it does something unique and valuable. This popular card offers users enticing travel perks, from no foreign transaction fees to access to 10+ airline and hotel transfer partners — all at an affordable $95 annual fee price point. Chase Freedom Unlimited + Sapphire Preferred/Reserve Muliplier. Chase Freedom Unlimited® The Chase Freedom Unlimited® offers flat-rate cash back on most purchases, but it can still be the better play for anyone who can keep track of a. Chase card gets you 5x if you book travel through them, 3x dining, and 2x other. Fidelity has a $150 sub, but has 1% FTF, Lost luggage reimbursement, Travel accident insurance, and Roadside dispatch. 50 in travel and the 65,000 from the Ink Plus bonus is now worth $812. Chase freedom flex def if you have the discover it as it’ll expand your 5% categories It also has a world elite concierge service, 5% back on lyft, 5% back on chase travel, 3 months free of DoorDash plus, 3 months of instacart+, 3% restaurants, 3% …. While both of these rewards cards. supermarkets on up to $6,000 in spending annually, and 1% back beyond that. Chase Freedom Unlimited: The Freedom Unlimited is a great everyday card. I think the 5% categories make it the better card anyway. Posted by por_que_ View community ranking In the Top 1% of largest communities on Reddit. 0% intro APR for 15 months on purchases and balance transfers. I value a balanced line up, would rather use less cards in general. You can get 5% back on groceries for the next year as well. I recently got the CFF as my first card with Chase. Ultimate points are definitely more valuable if you have a Sapphire card too (Sapphire Reserve lets you redeem each point for 1. I was thinking of getting the Chase Sapphire Reserve and downgrading it to the Chase …. $10 per month in Gopuff credit through December 2023. No interest for 15 months on this card. I read articles how students can do this once they graduate. Compared with the American Express® Gold Card, the Chase Sapphire Preferred® Card has a lower annual fee — you. 2x on all other travel purchases. Personally I think the Freedom Flex. AU on Chase Freedom (legacy) FICO Score: ~750-60 when I last checked. Eventually the remaining freedom (visa) cards will be converted to the flex. Both give replacement cards quickly, not sure if one is 3 days instead of 4 or something. The CFU and CF/CFF fill different roles: CFU is a flat rate card which should be used anywhere you don't get at least 1. I am leaning towards the IT because of the WAY higher CB and the $200 for 500 spend seems super easy to do in the future. The average credit limit given seems to …. For the Visa Platinum, your starting …. Chase Freedom Unlimited: Rewards Rate: 6. Freedom flex or Freedom Unlimited : r/CreditCards. To earn the same with the unlimited, the math is $300 / 1. After looking into it more, I found that the Chase Freedom Unlimited may be a better option but I am more inclined to go for the WF Active Cash Card because it is a Visa Signature. I've been a Discover member for two decades and looking for a new card with better cashback rewards. As you already have Chase Freedom Unlimited, CSP/CSR makes more sense for you. Hi Folks, I currently use the US Bank Altitude Reserve for everything I can pay with Apple Pay for 4. would add damage protections but also increase the cost of your rental. I’m trying to decide which one I should really be using as my “misc” category card. The Blue Cash Preferred® Card from American Express is the winner over the Capital One Quicksilver Cash Rewards Credit Card. In August 2019, Apple announced that it would launch its credit card, the Apple Card. Apple Credit Card vs Chase Sapphire Preferred : r/CreditCards. Coverage kicks in if your phone is stolen, damaged, or involuntary and accidentally parted from you. 5% cash back on all purchases and elevated rates on several bonus categories, the Wells Fargo Active Cash Card offers a 2% flat cash. The typical college student spends $1,574 per year on. 5% back on non-bonus spending with the Freedom Unlimited. Chase Freedom vs Chase Freedom Unlimited : r/CreditCards. Get Freedom Unlimited later when you have a sapphire card to transfer the UR to (if you want to travel a lot using sapphire redemptions). Chase -- Freedom Unlimited -- Letter changing terms. While the Discover it® Miles earns a flat 1. Credit Card Options: There are more Chase credit card offers available right now than Bank of America credit card offers. Here’s how our 2 featured cards compare regarding annual fees and the cost to add additional users: Annual Fees — Both featured cards charge a modest annual fee: Chase Sapphire Preferred – $95 annual fee. You receive a CDW from the Chase Freedom Flex℠ or Chase Freedom Unlimited® when you use the card to pay for the entirety of the car rental transaction and decline. 5x points just like Quicksilver, but when you move those points to the Sapphire card you get the 75% bonus when redeeming for travel through their portal. When it comes time to redeem those rewards, however, you’ll find differences that could affect which card is more appropriate for your situation. The freedom cards are still embossed despite the clean look that appears on the website. Creating a credit history opens the doors to a financial legacy full of opportunities that will allow for long-term growth. Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. This card offers simple cash back rewards for grocery shopping, dining out, drug purchases or travel. With the 2x on tap to pay/apple pay feature - does that mean everytime I go to let's say CVS, and pay with tap to pay with the apple …. 50 difference, a cardholder needs to spend an additional $10,500 in general. With this card, members earn 5% back each quarter in bonus categories that change every three months. credit card from local credit union ($35K CL) 2016. Costco card gives additional 2 years extended warranty has no foreign transaction fee, and 4% on gas. However, some categories of spending receive bonus earnings. At a glance: Chase Freedom Unlimited® vs. Unless you use Chase for checking/savings OR have at least 1 year with any other card, these 2 almost certainly wouldn't accept you. 25% cash back, or you can exchange them for airline miles 1:1 which can be worth even more if you time it right). Hello, I’m trying to figure out which tier 2 card I should get between citi double cash, chase freedom, and the Apple Card. The no-annual-fee Freedom Unlimited card is the go-to card for earning elevated rewards on every purchase you make, even non-bonus category purchases. But knowing the key differences could help you make a decision on which one is right for you. Transaction post quickly within 24 hrs most of the time. Deciding between the Chase Freedom Unlimited vs. The card is meant for those NEW to credit, not for those with damaged credit. Pretty much the only differences between CFF and CFU: Freedom Flex. The 4 Best No-Annual-Fee Cards for Uber and Lyft. The CFU is basically a catch all card but has highlights in Dining and Drugstores. I decided against the Sapphire Preferred for now because I do not have current travel plans and maybe in hopes for a higher SUB. The Apple one was pretty much right at the 90 day mark, CFU ~4 months. Credit Cards That Are Better Than the Apple Card">3 Credit Cards That Are Better Than the Apple Card. I recently started a summer job and feel like I am able to apply for credit cards. You’ve established history with Chase already so the freedom card should be easy to get (although It would also be easy), and 3. While neither card has an annual fee, Chase has a higher APR range for its Freedom Flex. Low and behold, I was checking my credit. It may change if you go for a Freedom Unlimited. The Southwest Rapid Rewards ® Priority Credit Card is the most premium personal Southwest card offering from Chase. The Chase Freedom Unlimited® credit card is a good choice for deal-seeking shoppers who want a no annual fee card. The BCP is super strong Grocery and streaming with a good amount for gas. Premium Powerups Explore Gaming. The Chase Freedom Unlimited® is a great cash back card for everyday use. INTRO OFFER: Earn an additional 1. Up to $200 annual airline fee credit. I am now getting emails showing all the new benefits of the. The Chase Sapphire Preferred® Card now earns 3x points on select streaming services, but the important word here is select — only purchases from eligible services will qualify: Disney+. For example, the Amazon Rewards Visa Card from JPM, -0. The difference between Blue Cash Everyday …. The card has bonus earnings on purchases via the Chase travel portal and dining and drugstore purchases. American Express Cash Magnet® Card * vs. Freedom Unlimited 2023: Pick Your ">Chase Freedom Flex vs. *You will apply for one of these cards specifically for this purpose. Chase Freedom Unlimited ($21K CL)- Oct 2020. The other thing holding you back is that you have no credit history except being authorized user. About a hundred different brands - most are $25 for $20 or $50 for $45 (10 to 20 percent discount). The Freedom Unlimited card has coverage for up to 120 days from the date of purchase for up to $500 per item and up to $50,000 per account. Upgrade Chase Freedom to Sapphire and get Apple Card or get. Two of the cards in the trifecta that people rave about are nearly. This means, if you’ve opened 5 new credit cards in the last 24 months from any bank, Chase will deny your application regardless of how amazing your credit score is. Whoa cool info, that's definitely not as much as I'm putting on the card. Chase released a new signup bonus on their Freedom Unlimited card: Get an extra 1. Check out the table below to see how the two compare. With a welcome offer that doubles your cash back for the first year, and a consistently simple cash back rewards program that beats out Apple's beautifuly crafted titanium card's cash back earnings. The Bank of America Unlimited Cash Rewards card also comes with a 0% intro APR for 15. If you want to earn a flat rate on all purchases – but prefer Capital One to Chase – this card could be a. Browse Credit Cards By Category. The Freedom Unlimited offers an additional 1. So would that mean that for each dollar spent, you would get 1. The Chase Freedom Unlimited has a 15-month 0% intro APR that allows you to pay off big purchases over time with no interest. least expense: traveling, gas, dining (mainly due to COVID) Income: $100K with good credit score. I only have mine for World of Hyatt and nothing else really. The only credit cards Costco accepts in its U. View community ranking In the Top 1% of largest communities on Reddit. 5% on all other purchases, and an elevated 5% cash back on travel purchases made in the Chase Ultimate Rewards Portal. The Apple Credit Card; Chase Freedom Unlimited Vs. 5% back on everything, which is less than many cashback cards that give 2% back. If you're using the Chase Sapphire Preferred or Reserve, the Freedom Unlimited is still superior to your local credit union. People are getting and carrying around a whole separate card for just an extra 0. Related: Point Rewards Credit Cards. The new trifecta also benefits from improvements made to the Chase Freedom Unlimited® card, and is rounded. BCE is good for consistent 2% gas and 3% grocery cashback throughout the year. Wells Fargo Active Cash vs Chase Freedom Unlimited : r/CreditCards. Hey, I just did 2 credit limit increases on my chase freedom flex and chase freedom unlimited and I have confirmed that it is a soft pull. It would be!a single hard pull then. Those cards charge $550 to $695 a year, prices that. Use this link to apply… Advertisement Coins. With the Chase Freedom Unlimited, you’re only given $150 after spending $500 in the first three months (though authorized users get an. The Apple credit card, by contrast, not only waives annual fees. The Apple Card is only worth your time if you always use it with Apple Pay and you have an iPhone. The card also pairs with premium Ultimate Rewards cards in the same way as the Freedom Flex, so it makes sense for fans of …. So if used correctly you can hit 3~4. Pre-approval is when the issuer reaches out to you. At face value, this bonus can be worth up to $300; however, if you also hold a premium Chase card, it can be worth $615, according to TPG's valuations. 5% back as a base which I believe is actually in the form of Ultimate Reward points. Both freedoms together shouldn’t be an exception. Amex Everyday Card, $10k limit, 5. Balance transfers, cash advances, traveler’s checks, lottery ticket purchases and fees don’t count. After that, you'll always earn an unlimited 1. Freedom + Freedom Unlimited covers all bases Freedom Flex covers in terms of bonus categories and multipliers, and give you 1. Chase Freedom Unlimited Printed vs Embossed. I was going to get the Freedom, but now leaning towards the Unlimited. The base rate for freedom unlimited is 1. Most people would value them at 1. Capital One Venture X Rewards Credit Card: Best for easy-to-use statement credits. Chase Freedom Flex vs Capital One quicksilver : r/CreditCards. vs chase freedom unlimited vs Citi. Citi Double Cash: 0% on balance transfers for an initial 18 months, and then Variable APR of 15. disappear without explanation). Chase Freedom Flex: PayPal 5% Bonus Category and Dining 3% Stacked for 8% Cashback! r/CreditCards • Chase Freedom Unlimited SUB: Unlimited Double Points for 12 months (includes dining, travel portal, etc. Chase is typically more generous with credit limits, though both my CFU and Altitude Go were over $15k, which I'd never use. 36 cash back per year with Blue Cash Everyday from American Express and $262. My next card will push me just into 5/24 territory so people have been telling me I need to get another Chase card, but it seems though I could avoid this by waiting an extra few weeks before ever getting the Unlimited. 25% back on Freedom Unlimited spend when used towards travel. The Customized Cash Rewards offers 0% intro APR for 15 billing cycles for any qualifying balance transfers made in the first 60 days, then 18. There is no sign up bonus on this card, but you do get $25 (2,500 Chase UR) when you …. These cards all work well together. Lame lowkey, but would be nice. Chase freedom flex def if you have the discover it as it’ll expand your 5% categories It also has a world elite concierge service, 5% back on lyft, 5% back on chase travel, 3 months free of DoorDash plus, 3 months of instacart+, 3% restaurants, 3% drug stores and 1% on all else. Annual Credit Card Awards of 2023. Apple purchases made with the Apple Card via Apple Pay will yield 3% cash back, while other Apple Pay charges will provide 2% back. Chase Bank has announced the launch of the Chase Freedom Rise *, a no-annual-fee rewards card that’s specifically designed for those who are new to credit. The Capital One Venture X offers a $300 annual credit, which can only be applied toward purchases with Capital …. Chase Freedom Flex℠ * The Chase Freedom Flex℠ * is an all purpose, no-annual-fee card with superior rewards to the Upgrade OneCard. Based on identical spending inputs, you’ll earn $120. Bottom Line: The Freedom Unlimited card best rewards travel purchased through the Chase Ultimate Rewards travel portal, for dining, and at drugstores. How it compares with the Apple Card: If you don't mind keeping track of rotating bonus categories and a few permanent bonus categories, the Chase Freedom …. It's a new feature they introduced and it's honestly makes up for the. Earn bonus points with PayPal by using Chase Freedom and Freedom Flex. 5 cents each when redeemed for travel via the Chase travel portal. Not sure where you're getting this, but it's not a realistic valuation for URs. Chase Freedom Unlimited: Credit Score & Requirements. Sapphire preferred adds the ability to purchase travel at 1. The Chase Freedom Unlimited is the clear winner here: Earn an additional 1. Chase Freedom Unlimited vs Discover it Miles. 5% cash back, it may be a better option for someone who doesn’t want to deal with rotating categories. Assuming you spend every penny of that on a Freedom card, the difference between the CFU 1. While I get 3% back on Restaurants. MasterCards from Chase can’t be added to Apple Pay/mobile wallets until you have the physical card in hand. You’ll earn 5% cash back on up to $1,500 in purchases in a quarterly rotating bonus category. The Capital One VentureOne credit card provides moderate rewards with an unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1. Chase Freedom Flex: Best for rotating rewards categories. Reading the fine print to discover the best features so you don’t have to; Helping you find and apply for the best credit cards. You're probably better off getting a Chase Freedom Unlimited or Freedom Flex. The Chase Sapphire Preferred card and Ink Business Preferred both count a wide range of businesses in the travel category. The annual rewards payout assumes you charge $1,000 each month spread …. I’d say if you can get the Ink Unlimited first, for the high sub that would be like having the Freedom Unlimited. If you have a large upcoming purchase or need to transfer a high …. I actually think I slightly prefer Flex for the 5% rotating …. It's now 5% back on travel, 3% on dining, 3% at drugstores, and unlimited 1. Confused with Chase Freedom vs Chase Sapphire Preferred for. With no annual fee, it’s stunning to learn that this card offers up to 5% cash-back ….