Chase Freedom Unlimited®: Check Out Their Intro APR for Balance Transfers Now!

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The Card is our featured balance transfer credit card for this month due to its attractive rewards program, no annual fee, and 0% Intro APR for 15 months, then APR thereafter!

This Card’s Perks:

0% intro APR for 15 months on both purchases and balance transfers, then APR thereafter! Pay down debt faster and spend less money on interest, with no interest payments due until next year!
Earn an additional 1.5% cash back on all purchases (for up to $20,000 spent) during your first year after account opening thanks to their intro offer. That’s worth as much as $300 cash back!
No annual fee! Enjoy the great features of this credit card without having to pay an annual fee!

In other words, if you’re looking for a great balance transfer card that also has an excellent rewards program, keep on reading!

Card	Annual Fee	Intro APR	Rewards
Our Rating: 5/5		0% Intro APR for 15 months for Balance Transfers and Purchases, APR thereafter	Earn an additional 1.5% cash back on all purchases during your first year after account opening (for up to $20,000 spent)

Our Favorite Features for Chase Freedom Unlimited®

0% intro APR for 15 months: With this card, you’ll get an introductory APR of 0% for a full 15 months, then APR thereafter! This means you can pay down your debt without having to pay interest for over a year. You also won’t have to pay interest on any new purchases for the first 15 months.

An Additional 1.5% Cash Back: Earn an additional 1.5% cash back on all purchases during your first year after account opening (for up to $20,000 spent). That’s worth $300 cash back! Earn 6.5% cash back on travel purchased using the Chase Ultimate Rewards® program, 4.5% cash back on restaurants and drugstore purchases, and 3% cash back on all other eligible purchases during your first year for up to $20,000.

Continue Earning: After one year has passed, or after you have spent $20,000, you can still earn 5% cash back on travel purchased using Chase Ultimate Rewards®, 3% cash back on restaurants and drugstore purchases, and 1.5% cash back on all other eligible purchases.

What Credit Score Should You Have To Apply For This Card?

The better your credit score, the more likely you are to be approved for a credit card. However, your credit doesn’t need to be perfect to apply for the Chase Freedom Unlimited® Card! This card is often considered a “beginner” card and can be great for those who don’t have an excellent score built up yet. Chase doesn’t publish suggested credit scores for cards, but they do consider multiple factors in approval decisions, and some applications are accepted even for scores in the mid-to-low 600s. Therefore, even if your credit score isn’t great, you may still be able to get approval.

Monitor Your Credit Health for Free

An additional perk of Chase is the Chase Credit Journey tool, a free tool that allows you to review your credit, your most-recent credit score, get alerts about your credit, and more! Utilizing the Chase Credit Journey tool, plus getting a balance transfer credit card, can be a great way to tackle your credit debt and take control of your credit.

Hint: Having a good credit score can help if you’re applying for a loan or a credit card.

Making payments on time and paying down your debt helps to improve your credit score!

Our Summary

If you’re looking for a balance transfer credit card to help pay down high-interest credit card debt, but also want a card that has a great rewards program and no annual fee, Chase Freedom Unlimited® is clearly a winner! With 15 months of 0% Intro APR for both purchases and balance transfers (then APR thereafter), plus multiple ways to earn rewards and an additional 1.5% cash back during the first year after account opening (for up to $20,000), Chase Freedom Unlimited® is a great card both for those who need to pay down debt or who want to make new purchases.

Interested in other balance transfer credit cards? Review more options below!


Chase Freedom Unlimited®	Citi Simplicity® Card	Citi® Double Cash Card	Chase Slate Edge℠	Citi Rewards+® Card

Annual Fee: $0	Annual Fee: $0	Annual Fee: $0	Annual Fee: $0	Annual Fee: $0
Intro APR: 0% Intro APR for 15 months for Balance Transfers and Purchases, APR thereafter	Intro APR: 0% Intro APR for 21 months for balance transfers, APR thereafter. Balance transfers must be made within the first 4 months of account opening. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged.	Intro APR: 0% Intro APR for 18 months for balance transfers, then APR thereafter. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged on balance transfers made within the first 4 months.	Intro APR: 0% Intro APR for the first 18 months after account opening for purchases and balance transfers, then thereafter.	Intro APR: 0% Intro APR on balance transfers for the first 15 months after the date of the first transfer, then APR thereafter. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) for transfers made within the first 4 months after account oppening.
Perks: 1.5% Additional Cash Back for up to $20,000 spent during the first year 5% Cash Back on Travel purchased through Chase Ultimate Rewards®	Perks: 0% Intro APR for 12 months after account opening on all purchases. No Late Fees and No Annual Fee	Perks: You can earn 2% on eligible purchases by earning 1% cash back when you purchase and 1% cash back when you pay for your purchase. The minimum payment must be met in order to earn cash back.	Perks: You can lower your interest rate by as much as 2% every year. When you spend a minimum of $1,000 using your card by the aniversary of your account opening, you are automatically considered for an APR reduction.	Perks: Earn 20,000 points when you spend $1,500 during the first three months after account opening 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually

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