My Honest Review of Chase Freedom Unlimited (10 Years Later)
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- Опубликовано: 2 апр 2024
- #chase #creditcard
This is my honest review of the Chase Freedom Unlimited after 10 Years.
Chase Freedom Unlimited: bit.ly/jftcfu
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Advertiser Disclaimer: Some of the card links and other products that appear on this website are from companies for which John Liang will earn an affiliate commission or referral bonus. This means that if you click on one of the product links, I may receive a commission. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
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Speaking of other peoples spend. I’m a private chef and spend 100k of other people’s money on my cards every year, it’s amazing.
Sounds amazing bro😮💨
Awesome!! Cha-ching!!
The retro intro was honestly awesome, I started working on my credit journey with an old review you made of this card! I now have a good credit and working on my new sapphire reserve card. Love the Chase ecosystem!
I love my Chase Freedom Unlimited card. It was my first card with Chase when I started my credit-rebuilding journey in 2021. I still use it as my catch-all card, and my Costco card. I don't see myself ever getting rid of it.
Same here, at this point it's sentimental hahaha
@@johnsfinancetips Ha! You know it.
Costco?
I feel like you can get better than 1.5x there
@@ab3040 I go between my Venture X and the Feedom Unlimited - but I prefer getting UR points with Chase versus Capital One miles. It also depends on the time of the month and if I’m trying to stay under a certain utilization before a pay period on the card. But since they only accept Visa - it’s a bit limiting in my options.
I love your videos so much, and they are so informative! I also love that you frequently end your video by saying, “this has been a phenomenal video.” it’s kind of like a popstar saying at the end of their concert, “this has been the best concert you’ve been to this year!” But I’m pretty sure no one takes it that way.
Buddy can you next time please clearly explain the signup bonus. You make it sound like we receive $200 for spending $500 in the first 3 months & also an extra 1.5 cash back on top of the base percent with your “non-private affiliate link.” I used your link thinking I qualified for both and come to find out they only give you the 1.5 extra. Please be more clear and specific instead of misleading people thinking they will receive both sign up offers using the “non-public link” so that you get compensation from it
Yeah the $200 bonus is much better imho basically 40% cash back on $500 of spend. Really scummy the way he presented it not making clear you were trading sign up bonuses.
Oh wow so you only get one or the other?
Like only the $200 welcome offer or the extra 1.5x. Not both?
@@Rowdyyy_rod yup
Thank you for these videos John
I just applied for this card last night after watching your Chase Trifecta video, and then I woke up to this video. Thank God, the universe was listening to me that I made a good decision despite reading the offer on the trifecta video was expired. I just compared the public offer and your affiliate link. And yes, I went with your affiliate link. ❤😂
does it only last for a year?
Hey John, your videos have been very informative in my credit card journey. I have been using my first ever Discover it credit card for over 7 months now and have a credit score of 740. Do you recommend getting the freedom unlimited as my 2nd card right away or wait until I establish a credit history for at least 12 months?
when does the non public offer expire? or does it?
thinking about applying for the card tomorrow
Had this over a year now and just got approved for freedom flex now😁😁
Congrats!!
hi John! I love your videos and I have learned so much from everything you have shared. I am also trying to get my Nicaraguan husband to start learning and understanding the credit card game as well. I'm wondering if you think that the non-public offer happening right now is worth it... I'm nervous I wouldn't' be able to spend all $20,000 to get the full 30,000 points (or $300 bonus) at the end of the year. Would it be best to go with the standard offer? We are looking at taking a trip to Europe next summer so I want to get started earning points and be able to book a flight/hotel to redeem them with enough time.
If I apply for the none public offer do I still get the $200 catch back after spending $500 as well or is it pick one or the other?
I just got approved for this card. I have excellent credit and have several other cards but this will be my first one with Chase.
I am considering obtaining a second card in terms of a balance transfer to pay off the balance of a CC that I own. Is this a good one to go with?
So I just signed up for with your link - how do I know I got the extra 1.5 I looked it says the normal rate
I used your link to sign up for the card.
I’m thinking of getting Chase Freedom Unlimited to use for Costco gas stations cause I need a Visa card with a Costco membership(without buying the Costco executive membership credit card)
I signed up and got the non-public sign up bonus in October of last year. I went through the $20,000 in less than five months. I wish the offer was unlimited for the first year.
I love this card. Can’t wait to product change my CSP to the OG Freedom so I have another 5% er
I got the unlimited after having the Flex for half a year, but I applied directly with Chase and didn’t get the non-public offer, any way I can still get that offer?
I would love to see your review of the robinhood card
Your affiliate link did not work and did not send me to the chase card. However, I did find the offer of the non-public somewhere else. Just thought I let you know.
I just signed up for this card thru my Chase mobile app because I saw I was pre-approved. How do I know if this is the non-public offer? I know virtually nothing about credit cards.
I’m in the market for another card. I currently have over a 800 score. What would be some great cards for me to consider with great travel rewards? FYI I dont travel a bunch, maybe one or two trips a year.
when can I apply for a chase card after dropping under 5/24 ? I opened my Amex Blue Cash in March 22, 2022 so i should have gone under on April 1, 2024.
Hey do you still have the affiliate link?
The extra 1.5% on $20k is only $300. I had that card but cancelled after 2 years. Other Chase cards are better. The Reserve offers $20k (per trip) travel insurance. If purchased alone would be $1,200. And you still get the UR rewards.
Which is the best chase credit card to get
Love Chase Freedom card 5% back on pharmacy 👍
The best thing that I can say about the CFU is 1.5% is better than 1.0%. I get all of the other benefits of the CFF.
Hey John you hyperlinked the wrong card in your description
Best Intro in the finance realm
Your affiliate link doesn't currently link to a page that includes the Chase Freedom Unlimited. Is the offer over??
Just got my chase unlimited. This is my first chase cc
Who they pull your credit from?
Probably one of my most used cards. Sadly I can't get Chase to give me a limit higher than $500 on it despite a $16k limit on my Preferred.
Great video! Great content! I'm new with the Chase freedom card. After 15 months it's going to be 30%. How can I get a better rating card? I mean a better percentage card. Please respond. Thanks again
Cant…
Hey John! I just applied for the chase freedom unlimited and I just got it in the mail. However, I have not activated it yet. Is it too late for me to redeem your non-public offering? Please let me know! Thank you so much for your great content!!
Also curious because I'm in the same spot!
My freedom unlimited is my primary catch all card
Givwn that the non-public offer has a cap of $20,000 of spend. I think the public offer is better in most scenarios. The non-public offer is only better if you spend specifically $13.5k--$20k in the first year. Any less, you're better with the easy $200/20,000 UR points. Any more, they're both the same
Also, if you go to the branch they give you 5% back on gas and groceries for the first 12 months up to 12k
@@chosenlieutenant3978 wait are you serious? Did you just ask for it?
@@chosenlieutenant3978 Wait are you serious? Did you just ask for it? Is this for the Freedom Flex or Freedom Unlimited?
@@chosenlieutenant3978is that on the freedom unlimited or flex ?
@@carloshidalgo3298 both
I find it kind of funny that he says that the freedom cards can be a little harder for people to get. I got the freedom unlimited as my very first ever credit card followed by the freedom flex about eight months later. I love them both and I use them interchangeably throughout the month because my due dates just happened to be about a week apart so the first half of the month is dedicated to my freedom unlimited while the second half of the month is dedicated to my freedom flex. I love hearing that the freedom unlimited is still very much viable card in the credit card game though because I know the game is ever changing. Next card in my crosshairs… The sapphire preferred
What was your credit score when you applied ?
@@arthurdavis484 about 600
Hello, quick question if I get ur referral link do I still get the 200 cash back and the extra 1.5 back?
no if you use my link you'll only get the extra 1.5 you won't get the $200 cash back
Okay, thanks
Where’s the Chase unlimited non public double cash back link?
I use the Chase freedom unlimited for more than 5 years. It’s my everyday card as it’s giving me 1.5x points. How would you have 3 cards over 10 years ?
Have you applied once every 3 years or cancelled an reapplied ?
@johnsfinancetips please let me know on this
Why don’t you have it tho?
Can someone explain the non public offer thing? What does it mean and how do you do that?
Same I’m confused
I was looking into applying for a Amex gold but that’s offering 90000 points after spending 6k in 6 months. Seeing as I most likely wouldn’t be able to get that welcome bonus would it be worth it to still get the card, or wait until I know I can get the bonus?
Definitely wait until you have a planned big expense! Don’t stretch yourself out and spend just for the sake of getting points. Plus, that 90000pts offer comes around (in my experience) every year.
How do you have this card 4 times? If you down grade, does that mean you have 3 other Freedom Flex's or 3 other Chase cards floating around the back crevices of your wallet? Or do you down grade one, and cancel the others as you go? Also, When do you do this? After 2 years or after the 1 year promotion is over?
Either cancel or product change. You can get the bonus again every 2 years
@@johnsfinancetips Doesn't canceling multiple times on your credit cards affect your credit score?
Should I get the freedom card or the Sapphire preferred card as a college student that’s about to go abrod
freedom card has foreign transaction fees.
I'm preselected for chase sapphire and freedom unlimited with non non-public offer so I'm looking at which one to get.
Me as well what did you choose after all?
I actually got both. The sapphire since I have a large purchase that would basically give me the 85000 points and the freedom unlimited for everyday purchase. I would use my freedom unlimited points and move to the sapphire for travel.
John, unless I missed it, you didn't explain how to get the "non-public" offer for this card.
Good catch, it’s the link I have in the description.
If you don’t plan on spending 13,333 or getting the sapphire there’s no point of doing the 1.5%. If you do you’ll get basically an additional $100.
I dont see the sign up bonus when applying to the extra 1.5% cashback. Is it one or the other?
The extra 1.5% counts as the sign up bonus, so yes, it's that or the $200 offer.
If I used your link and got the non public offer...could I pay my taxes on this cc and get 3% back in points?
Yes you can, just be aware you'll still pay the 1.87% or so on the processing fee for paying taxes with a CC so you're only netting out 1.1%+. Hope that makes sense
@@johnsfinancetips Awesome..thank you.
2:15 Wont that still hurt your credit score regardless if it being interest free? Because you made minimum payments and didn’t pay it in full on time?
it's 0 apr for 15 months, so there are no interests and minimum payments should be fine. the CC company won't report you
How does the current offer compare to the one that was up 3-4 months ago. Is it worth getting it now or would you wait?
The one that was up 3-4 months ago had an additional 5% grocery + gas for the first year, all else being the same. So ofc imo the expired offer was better, but you never know how long the wait might be.
So after 10 years I can get this card again? Do you have a video you can reference me to? Please and thank you
After having the bonus for 24 months you can get this card again
Wow, you're speaking German to me right now. The whole thing went over my head. Ecosystem pairing cards, I've no clue what you are saying.
Also, I've had like 2 cards ever! And the only reason I got the second card was because my first card had fraudulent charges. Opening 5 cards in 24 months! Whoa 😮
Btw, what do you think of the Bank of America credit card? One time they asked for a police report before they reversed fraudulent charges, even though they were made out of state! Not happy about that.
Can I transfer points from freedom flex to my partner's sapphire preferred?
Yes you can! That’s exactly what I do
Do foreign transaction fee apply to Puerto Rico?
They use USD there, I don't know how they could get away with it without a fake currency conversion to blame
No, Puerto Rico is a United States territory. It's part of the United States, so if you are American, then you will not be charged FTF in Puerto Rico.
I just have this card because Kevin Hart advertises it
15 months of no payments sounds too good to be true.
Thank God I'm military. They waived all fees except for late fees.
I’ve had this card for about 5 months now (first card) when and what should my next card be??
Saphire
Sapphire and freedom flex after but make sure you take advantage of the bonuses
Preferred or Reserve
Getting customer service on the phone is a waste of time as placed on hold. Sending a secure message through my username saves time as most inquires gets it resolve the next day (fee waiver, billing information, account closure, name change, dispute a charge, etc.)
Damn the 5/24 rule 😂
Very cool! They just offered me the card and I accepted! Glad I made the right choice! I don’t know much about CC’s so this is gold!
I’m confused on How you get the non-public offer
It’s the link in the description box
@@johnsfinancetipsthe link doesn’t work
Not specifying you only get the other on the referral link vs $200 bonus offer is really shady bro. Big misinformation & I think the right think to do is correct that statement for all your videos and cards you like to use referral links for and left info out. That's people's money you're playing with.
Is it actually required of all credit card RUclipsrs that they have to pretend that everyone does/needs to/or should get credit cards so they can go the Maldives or Bora Bora? Is Visit Maldives paying you guys or something?
I've asked that before, I think Insta has something to do with it, so many over water villa pics
Haha nah I just think it’s cool place to go that I otherwise wouldn’t pay real money to go to. $1,000 a night for a hotel cash, no thanks. Points and miles just make it accessible. Also the diving there is incredible!
Seems like an overrated card if you don't travel or buy a lot of drugs.
Worst part about this card is it is still embossed. (Allegedly they finally stopped doing this as of this month)
I think its confirmed on reddit but numbers are still on the front of the card
Just product changed back to the CFU from the flex and it came in the mail yesterday not embossed
@@allenroberson4932 just had to order a replacement card (lost) yesterday. Can’t wait
I’m 18 and have never had a credit card. Is it possible to get this credit card with no credit score. Or do I need another one first
Maybe look into the Chase Freedom Rise?
Open a Chase bank account and deposit at least $250. Then apply for the Chase Freedom Rise use at least 30% of your credit and pay it it every month totally, leave no balance. Then in six months apply for the Freedom Chase Unlimited and enjoy. I did that now I’m using it every day, no more debit card payments.
@@markg813what if I have a debit card with them ?
@@markg813oh and I don’t have not other bank account or credit card account it’s my first account in general
Depends on your work history most likely then. I used a credit builder for my first year of college here & there. I got the discover student card this year as a junior and have literally been taking everyone's purchases on it, staying under 30% limit. I just got approved for this one at 21 one month after having the discover. My friend went through his local bank to get a credit card at 19, he sat down with them and asked to put down a thousand in collateral and in exchange only give him a thousand limit. They accepted him with a basic card. Good luck!
I'm going to be a hater but I absolutely hate people who try to put their card down all the time. It makes them look desperate and it's annoying, but unfortunately so many people fight to pay nowadays
Non public more like shitty offer since you lose the $200 SUB.
Shame on you for preying on people by pushing them toward the “non public offer” where you have to spent 6,666 dollars to get the same $200 bonus.
First 😆😆
Let's Go!!
Sooooooo… do I get the $200 after $500 with your offer because your offer link doesn’t explicitly state it does.
no
Now my question is how much did Chase pay you to say that?
I can't stop watching this on repeat! ��