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63

Freedom Unlimited

Jpmorgan Chase Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.24–27.74%
Annual fee
None
0% intro
15 mo
0% transfer
15 mo
Foreign fee
3%
Grace period
21 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
27.74%
≤619
27.74%
620–719
27.74%
720+
26.74%
Lowest offered18.24%
Median27.74%
Highest offered27.74%

Introductory purchase APR

Promotional window: 15 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 15 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.49%
Median28.49%
Highest offered28.49%

Every fee on this card

Annual feeNone
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Chase Pay Over Time$0
Return payment fee$40

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone800-945-2000
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$500

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 27.74% afterwards.

Cost to carry a balance
Interest for a year at 27.74%$832.20
Annual / periodic fees$0
Total yearly cost$832.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.

Cardholder agreements

26 documents filed by Jpmorgan Chase Bank, National Association in the 2026 Q1 archive.

All 26 agreements

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