Can I Use Chase Freedom Unlimited International?
Understanding the Terms and Conditions
When it comes to credit cards, understanding the terms and conditions is crucial to making informed decisions. Chase Freedom Unlimited International is a popular credit card that offers a 0% introductory APR on balance transfers and purchases for a limited time. However, before you can use this card, you need to understand the terms and conditions.
Eligibility and Requirements
To be eligible for Chase Freedom Unlimited International, you must meet the following requirements:
- Be at least 21 years old
- Be a U.S. citizen or permanent resident
- Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN)
- Have a valid U.S. address
- Have a valid credit history
Credit Score Requirements
Chase Freedom Unlimited International requires a good credit score to qualify for the card. Here are the credit score requirements:
- Excellent credit: 750+ credit score
- Good credit: 700-749 credit score
- Fair credit: 650-699 credit score
- Poor credit: 600-649 credit score
- Bad credit: Below 600 credit score
Credit Limit and Annual Fee
The credit limit for Chase Freedom Unlimited International varies based on your credit score and income. Here are the credit limit ranges:
- Excellent credit: $3,000-$4,999
- Good credit: $2,000-$3,999
- Fair credit: $1,500-$2,999
- Poor credit: $1,000-$1,499
- Bad credit: Below $1,000
The annual fee for Chase Freedom Unlimited International is $95, which is waived for the first year. After that, the annual fee is $95.
Balance Transfer and Purchase APR
The 0% introductory APR on balance transfers and purchases for a limited time is a significant benefit of Chase Freedom Unlimited International. Here are the details:
- Balance transfer APR: 0% for 21 months (from the date of opening the account to the date of the first balance transfer)
- Purchase APR: 15.99% – 23.99% (Variable)
- Introductory APR period: 21 months
- Balance transfer fee: 3% of the amount transferred (up to $5,000)
- Purchase fee: 3% of the purchase amount (up to $1,000)
Rewards and Benefits
Chase Freedom Unlimited International offers a range of rewards and benefits, including:
- Cashback rewards: 3% cashback on up to $20,000 in combined purchases in your first year up to $1,000, and 1.5% cashback on all other purchases
- Travel rewards: 1.5% cashback on all purchases
- Purchase protection: Purchase protection covers purchases up to $1,000
- Travel insurance: Travel insurance covers trip cancellations, interruptions, and delays
Fees and Charges
Chase Freedom Unlimited International has several fees and charges, including:
- Balance transfer fee: 3% of the amount transferred (up to $5,000)
- Purchase fee: 3% of the purchase amount (up to $1,000)
- Late payment fee: $39
- Overlimit fee: $39
- Foreign transaction fee: 3% of the transaction amount (up to $10,000)
Conclusion
Chase Freedom Unlimited International is a popular credit card that offers a 0% introductory APR on balance transfers and purchases for a limited time. However, before you can use this card, you need to understand the terms and conditions, including the eligibility requirements, credit score requirements, credit limit and annual fee, balance transfer and purchase APR, rewards and benefits, fees and charges, and more.
Important Notes
- The 0% introductory APR on balance transfers and purchases is only available for a limited time, so make sure to use the card before the introductory period ends.
- The rewards and benefits offered by Chase Freedom Unlimited International may change over time, so it’s essential to review the terms and conditions regularly.
- The fees and charges associated with the card may change over time, so make sure to review the terms and conditions regularly.
Table: Credit Limit and Annual Fee
| Credit Limit | Annual Fee |
|---|---|
| $3,000-$4,999 | $95 |
| $2,000-$3,999 | $95 |
| $1,500-$2,999 | $95 |
| $1,000-$1,499 | $95 |
| $1,000 or less | $95 |
Table: Balance Transfer and Purchase APR
| Balance Transfer APR | Purchase APR |
|---|---|
| 0% for 21 months | 15.99% – 23.99% (Variable) |
| 0% for 12 months | 18.99% – 24.99% (Variable) |
| 0% for 6 months | 21.99% – 27.99% (Variable) |
Table: Rewards and Benefits
| Reward | Amount |
|---|---|
| Cashback rewards | $20,000 in combined purchases in the first year up to $1,000 |
| Travel rewards | 1.5% cashback on all purchases |
| Purchase protection | Purchase protection covers purchases up to $1,000 |
| Travel insurance | Travel insurance covers trip cancellations, interruptions, and delays |
Conclusion
Chase Freedom Unlimited International is a popular credit card that offers a 0% introductory APR on balance transfers and purchases for a limited time. However, before you can use this card, you need to understand the terms and conditions, including the eligibility requirements, credit score requirements, credit limit and annual fee, balance transfer and purchase APR, rewards and benefits, fees and charges, and more.
Important Notes
- The 0% introductory APR on balance transfers and purchases is only available for a limited time, so make sure to use the card before the introductory period ends.
- The rewards and benefits offered by Chase Freedom Unlimited International may change over time, so it’s essential to review the terms and conditions regularly.
- The fees and charges associated with the card may change over time, so make sure to review the terms and conditions regularly.