The Chase Freedom Unlimited card requires good to excellent credit. While there is no minimum score, aim for a score of 720 or better. Based on a review of FICO Forum postings, most approvals had a minimum of 700, although at least one had a score in the 600s.
Yes. It’s considered a competitive cash back card given its signup bonus, no annual fee, and 1.5% cash back on all purchases. There are some cards that pay 2% back on all purchases, but they can be harder to get and come with other limitations, such as an annual fee.
The Chase Freedom Flex card is a 5% rotating categories card, with quarterly caps of $1,500 in spending. After that it pays 1%. It does offer the same bonus categories and same signup bonus. With the Chase Freedom Unlimited, you give up the 5% on rotating categories, but get 1.5% as the base reward rate.
Get more details and learn how to apply here.