Update: This very popular deal is still available.
Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom UnlimitedĀ®. Annual fee is $0. Thanks helper02
Chase is offering a $200 Bonus after you spend $500 on purchases in the first 3 months of account opening for the Chase Freedom UnlimitedĀ®. Annual fee is $0.
If you take advantage of an offer on our site, Slickdeals may receive a commission.
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$200 Bonus
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Not multiple of the same card. 1 Freedom Unlimited and 1 Freedom ā yes.
Call the reconsideration line immediately.
Call the reconsideration line immediately.
If you get rejected sometimes there are errors in their automation side or just simply discrepancies. I have always called the reconsideration lines for credit agencies and sometimes even gotten approved over the phone.
At the least it will tell you why you got denied and it will be a learning experience. In this specific case: Always call
That's not how the offer reads:
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* And earn 5% cash back on grocery store purchases (not including TargetĀ® or WalmartĀ® purchases) on up to $12,000 spent in the first year.*
Yes you are. The Chase Freedom and Freedom Unlimited are different cards. Go and apply for it! If you do, please use someone's referral link (they get $100) to share the wealth!
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I have a Chase Freedom Unlimited card that I got ~8 years ago. If I apply for this one, I won't get the $200 bonus, correct? I'd have to close that one first?
"This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."
Did you close the Freedom Unlimited card you already have and apply fresh and got confirmation that you qualified for the bonus ?
Wow, I got a 4,900 limit! That's awesome. Thank you so much for posting this.
Catch is to get rid of it in 15 months because then it reverts to highest interest possible.
It usually takes me several years of having a credit card to build to that kind of credit limit.
Thanks so much.
If I don't need to buy anything, would it be crazy for me to make extra house payments because of the 0% interest and just pay it before interest starts?
If any helps anybody, I was preselected for this card.
My credit score is 636 (I screwed up in college)
Got approved instantly. 50k salary.
If it helps anybody, I didn't get approved instantly. Applied 3 days ago and still nothing. Looks like a scam to me. Royally pissed for giving my SSN to those shitheads.
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
If it helps anybody, I didn't get approved instantly. Applied 3 days ago and still nothing. Looks like a scam to me. Royally pissed for giving my SSN to those shitheads.
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
You may get an mail from them later. Keep an eye on your mail. A family member got one saying they wanted to validate it was them and their address. It said to call a number to get it validated and then approved instantly
Just as a PSA for those of you with friends or family interested in getting in on this deal: Chase has a referral program that pays out $100(10k points) per person. The link generated takes them to the same $200/$500 offer
To get there, select the menu stack(top left), then the "Just For You" midway down the menu.
Just as a PSA for those of you with friends or family interested in getting in on this deal: Chase has a referral program that pays out $100(10k points) per person. The link generated takes them to the same $200/$500 offer
How does one send referral link, on the Chase.com portal?
Ramsey offers great advice for people who don't understand why their check bounced when they still have checks left in the checkbook.
He gives terrible advice for responsible people to actually build wealth.
We make a lot of profit annually on credit card signup bonuses... thousands to tens of thousands per year depending on the offers and various statues for a given year...on top of the rewards for the routine spend you'd miss if you paid cash like Ramsey wants.
All without ever carrying a penny of debt or paying a penny in interest.
That's all wealth Ramsey would've told us not to bother acquiring because CREDIT CARDS BAD. DEBT AND CREDIT BAD. ALWAYS PAY CASH.
Debt and credit are excellent if used by responsible people who know how math and interest work.
We currently have both a mortgage and a car loan we could've paid off in cash, but it made no sense to do so when we could earn a ton more than the ~2% interest we're paying on that debt by investing the cash elsewhere.
That is certainly not everybody- and for those who that doesn't describe- sure- Ramsey.
Which card would you personally recommend for a person's first cash back / point rewarding card? I have zero debt (mortgage aside).
Which card would you personally recommend for a person's first cash back / point rewarding card? I have zero debt (mortgage aside).
That's very much an "it depends" kinda answer...
At a high level some of the major factors are:
How willing are you to use multiple cards?
How much overall do you expect to be able to spend on a credit card in a year (without taking on any month-to-month debt to do so)
How much (outside a pandamic) do you or are you likely to travel? What kind, and to where?
Do you have (or can you reasonably easily get) Platinum Honors Status with BoA? (easiest way for most folks is having an IRA/401k rollover in ML)
In what say 3 or 4 categories do you tend to put most of your "category" type spending?
So like for someone looking to maximize how much they get in rewards, and having a reasonable amount of monthly ongoing spend available- doing new card signup bonuses is by far the best return (where you can often get 10-20% of the amount you spent back WITHOUT considering rewards like premium travel (where the reward rates can get even higher than that)
For that person they'd normally want to start with chase business cards (since those don't report to your personal credit and thus don't get in the way of opening other cards later) like the Ink Cash, Ink Unlimited, and Ink Business Preferred... but word on the street is those are harder to get with pseudo-businesses like selling on ebay than they used to be... so if that doesn't work you'd want to move on to 5 chase personal cards... Probably the CSP has the best signup right now... and for long-term you'll likely want both an Freedom and a Freedom Unlimited as well, after that depends on your use/habits what other 2 chase cards to go for... and then on from there based on the various banks new card restrictions.
For someone who just wants "one" card to do everything- if you don't have BoA Plat honors status, and you don't spend more than about 12k a year- just get a Citi Doublecash.... 2% on everything and that's it.
Same person but spends over 12k? Get the Alliant card that gives 2.5% but has an annual fee (that is more than paid for with the extra .5% at 12k or more spend).
Same person but does have BoA status? Suck it up and get 2 cards- Their premium rewards and cash rewards cards get you significantly better than 2% on non-category and even more on several categroies IF you have Plat Honors status.
Lastly- if you're not interested in chasing signups all the time but ARE willing to hold say 3-5 different cards to max value from normal spend... then it comes down to what you tend to spend on.
The BoA combo is a pretty good start there if you have the status I mention... and augment with another card or two with 5% rotating categories (like the Freedom, or DiscoverIT)
If you don't have that status, the Freedom and DiscoverIT are still worth having for the rotating 5% categories, which other cards will depend on what you tend to spend on... and how much.... (for example Amex has 1 card that gives 3% CB on groceries with no annual fee... and one that gives 6% with a fee... if you spend enough on groceries the fee is worth it but you have to do the math on your own situation...same with some other categories)
So in short... it's complicated
(and not necessarily THAT complicated for you specifically- but trying to give an answer that fits everyones case is)
If you do want more specific advice, but don't feel comfortable discussing stuff like what you spend on groceries in a year or whatever feel free to drop me a message
I received my card 1-2 weeks ago and have been using it regularly at grocery stores (Cubs, Aldis, Hyvee) but I noticed that I am only getting 1.5% CB instead of the 5X.
Great card, thankful I got approved. Can anyone confirm where I can check if I have the 5% grocery cash back? It absolutely said it on the page I applied through.
Paying and paying off loans over a period of time is the fastest and best but very expensive way to build credit. Mortgage, refi's, student loans, intentionally going into credit card debt but paying off more than the minimum each month, etc. Another way is to apply for 0% balance transfer and apr for 15 months credit cards like chase's Slate card. Although you'll need good credit to be approved for higher limit.
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Call the reconsideration line immediately.
Call the reconsideration line immediately.
If you get rejected sometimes there are errors in their automation side or just simply discrepancies. I have always called the reconsideration lines for credit agencies and sometimes even gotten approved over the phone.
At the least it will tell you why you got denied and it will be a learning experience. In this specific case: Always call
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.* And earn 5% cash back on grocery store purchases (not including TargetĀ® or WalmartĀ® purchases) on up to $12,000 spent in the first year.*
Sign up for a Slickdeals account to remove this ad.
"This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."
Did you close the Freedom Unlimited card you already have and apply fresh and got confirmation that you qualified for the bonus ?
Catch is to get rid of it in 15 months because then it reverts to highest interest possible.
It usually takes me several years of having a credit card to build to that kind of credit limit.
Thanks so much.
If I don't need to buy anything, would it be crazy for me to make extra house payments because of the 0% interest and just pay it before interest starts?
My credit score is 636 (I screwed up in college)
Got approved instantly. 50k salary.
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
Oh, credit score in low 800s, salary is in low 6 figures. fark YOU, CHASE. Not happy about their partners Slickdeals either.
UPD: Just received spam email from doordash, never had one before. I guess whatever assholes are behind this already "shared" my email address with their "partners" (doordash subscription is part of the deal, if you read the fine print)
To get there, select the menu stack(top left), then the "Just For You" midway down the menu.
How does one send referral link, on the Chase.com portal?
Sign up for a Slickdeals account to remove this ad.
He gives terrible advice for responsible people to actually build wealth.
We make a lot of profit annually on credit card signup bonuses... thousands to tens of thousands per year depending on the offers and various statues for a given year...on top of the rewards for the routine spend you'd miss if you paid cash like Ramsey wants.
All without ever carrying a penny of debt or paying a penny in interest.
That's all wealth Ramsey would've told us not to bother acquiring because CREDIT CARDS BAD. DEBT AND CREDIT BAD. ALWAYS PAY CASH.
Debt and credit are excellent if used by responsible people who know how math and interest work.
We currently have both a mortgage and a car loan we could've paid off in cash, but it made no sense to do so when we could earn a ton more than the ~2% interest we're paying on that debt by investing the cash elsewhere.
That is certainly not everybody- and for those who that doesn't describe- sure- Ramsey.
Which card would you personally recommend for a person's first cash back / point rewarding card? I have zero debt (mortgage aside).
That's very much an "it depends" kinda answer...
At a high level some of the major factors are:
How willing are you to use multiple cards?
How much overall do you expect to be able to spend on a credit card in a year (without taking on any month-to-month debt to do so)
How much (outside a pandamic) do you or are you likely to travel? What kind, and to where?
Do you have (or can you reasonably easily get) Platinum Honors Status with BoA? (easiest way for most folks is having an IRA/401k rollover in ML)
In what say 3 or 4 categories do you tend to put most of your "category" type spending?
So like for someone looking to maximize how much they get in rewards, and having a reasonable amount of monthly ongoing spend available- doing new card signup bonuses is by far the best return (where you can often get 10-20% of the amount you spent back WITHOUT considering rewards like premium travel (where the reward rates can get even higher than that)
For that person they'd normally want to start with chase business cards (since those don't report to your personal credit and thus don't get in the way of opening other cards later) like the Ink Cash, Ink Unlimited, and Ink Business Preferred... but word on the street is those are harder to get with pseudo-businesses like selling on ebay than they used to be... so if that doesn't work you'd want to move on to 5 chase personal cards... Probably the CSP has the best signup right now... and for long-term you'll likely want both an Freedom and a Freedom Unlimited as well, after that depends on your use/habits what other 2 chase cards to go for... and then on from there based on the various banks new card restrictions.
For someone who just wants "one" card to do everything- if you don't have BoA Plat honors status, and you don't spend more than about 12k a year- just get a Citi Doublecash.... 2% on everything and that's it.
Same person but spends over 12k? Get the Alliant card that gives 2.5% but has an annual fee (that is more than paid for with the extra .5% at 12k or more spend).
Same person but does have BoA status? Suck it up and get 2 cards- Their premium rewards and cash rewards cards get you significantly better than 2% on non-category and even more on several categroies IF you have Plat Honors status.
Lastly- if you're not interested in chasing signups all the time but ARE willing to hold say 3-5 different cards to max value from normal spend... then it comes down to what you tend to spend on.
The BoA combo is a pretty good start there if you have the status I mention... and augment with another card or two with 5% rotating categories (like the Freedom, or DiscoverIT)
If you don't have that status, the Freedom and DiscoverIT are still worth having for the rotating 5% categories, which other cards will depend on what you tend to spend on... and how much.... (for example Amex has 1 card that gives 3% CB on groceries with no annual fee... and one that gives 6% with a fee... if you spend enough on groceries the fee is worth it but you have to do the math on your own situation...same with some other categories)
So in short... it's complicated
(and not necessarily THAT complicated for you specifically- but trying to give an answer that fits everyones case is)
If you do want more specific advice, but don't feel comfortable discussing stuff like what you spend on groceries in a year or whatever feel free to drop me a message
Anyone else having this issue?
Sign up for a Slickdeals account to remove this ad.