Sunday, 15 December 2019

Chase Freedom Card vs Chase Freedom Unlimited Card

Chase Freedom Card vs Chase Freedom Unlimited Card
31 Jul
5:45

Okay so you're researching the Chase Freedom Card and the Chase freedom unlimited card Duane here with how to build credit TV and in this video I'm going to be talking about both of those cards the Chase Freedom Card and the chase freedom unlimited card and kind of give you a comparison between the two so that you can make an informed decision as to which card you want to actually get

So I'll talk about that in this video but before we get started I have a quick message Once again my name is Duane with how to build credit TV This channel offers 100% free information about how to build credit, how to get cash back actual cash money from using credit cards, as well as credit card reviews We also talk about everything you need to know about credit whether you're looking to establish credit, build credit, rebuild credit or learn more about the FICO score and how it is comprised so you can increase your credit score If this sounds like something in which you're interested be sure to subscribe to our channel and click the notification bell so you don't miss a thing

As a matter of fact subscribing to our channel right now will help our channel grow faster which will allow us to: number one get this information out to more people, number two monetize our channel and number three make it a lot easier to continue to upload videos just like this one So if you're new here consider subscribing Okay so you're interested in getting a card from Chase and you're interested in getting the Chase Freedom Card or the chase freedom unlimited card Now these cards are pretty cool I actually at one point had to chase freedom unlimited card and then I upgraded that card or transferred from the chase freedom unlimited card to the chase freedom card As a matter of fact give me one second and I'll show you guys both cards and I'll show you the last four digits of each card because the last four digits are the same on both cards because they just transferred me from the chase freedom unlimited card to the chase freedom card

And the reason why I got that card is because it's a 5% cash back card and I found I find that for me personally that that was the better card between the two so give me one second and I'll show you guys the credit cards Okay so as you can see here I have the chase freedom unlimited card and I have the Chase Freedom Card the last four digits on both cards is five nine two seven So it's the same exact card they just allow me to go from the chase freedom unlimited to the chase freedom card so I just want to show you guys that that you're actually able to do that if you want When I transfer from the chase freedom unlimited however I did not get the sign-up bonus for the Chase Freedom Card and of course not because I had already gotten the signup bonus for the chase freedom unlimited card Alright so what I'm gonna do for this portion of the video is I'm gonna jump on over to my laptop so we can have a look at the website and we can look at both cards we can look at the Chase Freedom Card and the chase freedom unlimited card so give me one second and I'll see you guys over on my laptop

Okay so we're at the website here and we're looking at the two cards we're looking at the chase Freedom Card and the chase freedom unlimited card so I had to chase freedom unlimited card at one point and I upgraded from that card to the chase freedom card So this website here has a pretty good a pretty good layout of the two different cards and the differences So the first thing I want to draw your attention to is right here the reviews the card member reviews the Chase Freedom Card has fourteen thousand two hundred and fifty nine, the chase freedom unlimited card has a 9,268 and so the chase freedom unlimited card I guess was actually came out after the Chase Freedom Card right so I guess that could be a reason for the fact that there are less reviews on the chase freedom unlimited card but as you can see here right off the bat it talks about how much you can earn So the chase freedom card on the left you can earn 5% cash back up to fifteen hundred dollars in combined purchases in bonus categories each quarter you activate So the chase freedom card basically allows you to earn 5% cash back on certain things, certain purchases depending on what quarter you're in and then after that you will be earning 1% cash back on all other purchases

So if you purchase something that you're not able to earn 5% cash back on you're gonna be getting 1% cash back on The chase freedom unlimited card on the right hand side you can earn unlimited 15% cash back on every single purchase okay so if you're not trying to keep up with quarters you know the four quarters in a year and what you have to be worrying about you know like purchase this and I can get 5% cash back on this If you want a card that's simple and pretty straightforward then the chase freedom unlimited card is a good card for that and you don't have to think about anything you just swipe away and you know you're gonna get 15% cash back

However the purpose of the video is to kind of open your eyes and kind of get you to compare the two and see which one works best for you In my experience the Chase Freedom Card makes most sense for me because like the 5% categories that they offer throughout the year sometimes that category is just like it makes sense it's like everyday purchases that people make Like for example gas food groceries like if you're getting 5 percent cashback on gas, food and groceries you're gonna come out ahead as oppose to getting 15% cash back Ok so there's something to think about in regards to you know the 1

5% cash back on everything versus the 5% cash back on certain things And Chase is doing a better job now of giving you different ways to earn 5% cash back excluding whatever the special offer is for that quarter so in other words what I mean is they're giving you like for example you can get 5% cash back if you use Google pay, Apple pay, Samsung pay in the first quarter of this year So in other words anything that I that I was able to pay for with one of those different payment processors whether it's Google pay, Apple pay, chase pay I would get 5% cash back on that purchase so it didn't have to do with you didn't have anything to do with what that particular quarter was it was just like if I can pay for it with Apple pay then I'm gonna get 5% cash back like if I went to chick-fil-a and I use Apple pay to pay for that chick-fil-a is not something that is 5% cash back in that quarter It doesn't matter as long as I use my Apple pay so that's another thing that kind of gives the chase freedom card the advantage for me which which is why I decided that I wanted to upgrade from the chase freedom unlimited card to the chase freedom card

So that's kind of what I did personally both of these cards have no annual fee so that's pretty sweet you don't have to worry about that Both of these cards you're able to earn 150 dollars bonus after you spend $500 on your purchases within the first three months of opening the account and you can also get an extra $25 when you add an authorized user and you make a purchase within that same first three months So the purchase that you make with the authorized user it doesn't matter what it is it could be something for $1 something for 96 cents it doesn't matter you're gonna get $25 bonus So in other words when you spend $500 you get the 150 and then when you add an authorized user and make any purchase it doesn't have to be you know anything super expensive you get another $25 Okay so that's pretty easy to do that's very easy to meet if you have a chase checking account you can actually have the points redeemed and you can transfer the money directly into your checking account

So it is real money that's what I like about these cards is that it's real cash money if you would like if you have a Chase Sapphire Preferred card or Chase Sapphire Reserve card you can transfer those points to that card and you can use those points and redeem them for travel or hotels So that would be really good if you have that card I don't have either of those cards yet but I will be getting them very soon so stay tuned for those videos Anyway so right here talks about a low of intro APR Both cards zero introduction APR for 15 months on your purchases and your balance transfer so if you want to transfer your credit card balance from another card to one of these two cards you're gonna get 0% interest on that card for the first 15 months which is really cool you can save some money there and join the chase family Okay so between these two cards I mean honestly you really can't go wrong between the Chase Freedom Card and the Chase freedom unlimited card It's really about what your particular style is and what's easier for you you don't want to deal with the quarters and keeping up what's going on there

You can just get the regular chase freedom unlimited card and you get 15% cash back on everything Once again both cards you spend $500 you get 150 bucks you add an authorized user and you make a purchase with that card and then you get 25 bucks so that's 175 dollars that you can get for really spending 501 dollars or 502 dollars You know that the purchase you make with authorizers your card doesn't have to be a certain amount it could be 50 cents it doesn't matter what it is as long as you use the card and now you're gonna get to $25 cash back so that's my review on these two cards I think they're both great I think you can't lose with either one

Just choose whichever one you think is best for you if you're interested in a chase freedom card there's gonna be a link below this video you can use that link that's our referral link and if you use the link that will help our channel quite a bit So go ahead and use that link if you're interested in the card and I'll see you guys back in the video in just one second Alright thank you so much for watching this video regarding the chase freedom card and the chase freedom unlimited card I'm gonna go ahead and leave a link below in the description and you can use that link to sign up for the card actually you can use that link to sign up for the chase freedom card because that's the card that I have right now and that's the only card that I can use a referral link for, if you use the link below in the description that'll actually be helping the channel out quite a bit So feel free to do that if you have any questions leave them in the comment below I will answer your questions as soon as I see them

Also if you liked this video and you find it helpful give me a thumbs up please and share it with somebody if you think they'll find it useful If you haven't subscribed to the channel yet be sure to do so we talked about everything that you need to know regarding credit whether you're looking to establish credit, build credit, rebuild credit or learn more about the FICO score and how it is comprised so you can increase your credit score If this sounds like something which you're interested be sure to subscribe to our Channel and click that notification bell so you don't miss a thing Alright thank you so much for watching the video until next time take care and be blessed Peace!

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