Free Yourself from High Interest Credit Card Debt with the Chase Freedom Unlimited® Card

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If you’re struggling with high interest credit card debt, you may be interested in a balance transfer credit card. These cards offer a low interest rate (or sometimes even a 0 percent interest rate) and allow you to transfer an existing debt from your current credit card. By having a lower or 0 percent interest rate, you are able to pay down your debt faster and spend less money on interest!

Our highlighted balance transfer credit card for this month is the Chase Freedom Unlimited® Card. This card has an introductory APR of 0% for the first 15 months after account opening on all purchases and balance transfers, giving you the potential to save on credit card debt! In addition to a very attractive intro APR, the Chase Freedom Unlimited® Card has no annual fee and multiple ways to earn rewards.

With this card, you can 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! You can 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. 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.

Ultimate Rewards® is Chase’s rewards program and has options to redeem rewards for cash back, gift cards, travel, and many other options! There is no minimum amount required to redeem for cash back, and rewards don’t expire for the life of your account. If you opt for cash back, you can receive a statement credit or you can choose to get your cash directly deposited into most U.S. savings or checking accounts!

Finally, one 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.

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

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Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

  • Intro APR: 0% Intro APR for 15 months on all purchases and balance transfers.

  • Intro APR: 0% Intro APR for 21 months for balance transfers. 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. 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.

  • Intro APR: 0% Intro APR on balance transfers for the first 15 months after the date of the first transfer. 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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