The Chase Freedom Unlimited is a personal credit card from Chase Freedom Unlimited. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 18.24%–27.74% after a 0% introductory rate for 15 months. Approval typically requires a credit score of 635 or higher. Signup bonus: Earn a $200 Strike through $250 bonus after you spend $500 on purchases in the first 3 months from account opening.. Rewards: Earn unlimited 1.5% cash back or more on all purchases. Cash back: 1.5%-5% Cashback. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Two-in-one balance transfer and rewards card—ideal for stacking into 0% APR capital with cashback. Chase Freedom Flex. BT Fee: Typically 3% ($5 minimum); may increase after 60 days. Post-intro APR: 18.99%–28.49% variable Bureau pull varies by state (see details).