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Hey, guys, Max here and this video, I'm going to review a credit card I've had for about four years now, it's the Chase Freedom Unlimited credit card. The review starts right now.
First and foremost, I have had a checking account with chase and I've had a few credit cards. I've always had a good experience. I'm a person, probably the person who makes the most money. Actually not I don't, I don't call in with any questions, I do research myself and I find out things online. I almost never have to call anybody. But the couple of times I have when the credit card is lost or I misplaced it or whatever it is, silly me, I've had a really, really good experience with the, I think they're in the Philippines. I think they're based in the Philippines. Anyway, the customer service experience has been really top, top notch. I can't say that about all credit cards and all banks I've used. But Chase, I had a really good experience here. Does it's blue. It's nothing really special. It's not cool titanium, but at least it's a cool color.
Anyway, here we go. So there's multiple things I really like about this card. First one is there's our bonus offer. After you spend 500 bucks in the first three months, that's industry standard. I would say nothing too crazy about that, but two hundred bucks and five hundred bucks, that's a great investment. If you don't ask. If you ask me. And then there's no annual fee. This is really important because when you have so many credit cards, what's the point of having ones that have annual fees unless you're at a point in your life where you're really, really using them a ton and it pays the annual fee?
I don't use my credit cards a ton for a huge dollar transaction or dollar amount. So having no annual fee is something I always look for, unless it's something that really, really makes sense. I mean, it really has to make sense. I'm not quite there yet, but maybe some time it will be the zero percent. Our intro for 15 months. That's always nice. Maybe you have some big purchases you have to do. I when I, uh, finished college, I had a three thousand dollar car repair and I was not employed yet.
So I put it on one of these credit cards and I was about to pay it off over the 15 month period with the zero interest. Now, beware, if you have purchases and you do not plan on paying them off within the time period, you're going to deal with 14 to twenty three percent APR. That's a huge and ton amount of interest, something to avoid if you have to do it. Yes. Don't use this as your backup plan, though, or don't use that as your plan using only as your backup plan.
What I also like about this cart is there's easy and simple rewards, redemption, it's one and a half percent on everything. There's some other things, you know, five percent travel through chase, three percent of restaurants and drugstores, which is good. I don't use I don't really put that into the equation on the one half percent on everything. That makes it super simple. There's no rohtang rotating categories like all these things, all these other cards to sign up for once a quarter, super simple, one percent cash back.
I don't even think twice about it. And when they approve me, they gave me eleven thousand five hundred and credit. Now you may receive more or less depending on your situation, but that's what they gave me immediately. A quick note, though, this is definitely not your credit card to take out of country. There's three percent transaction in US dollars, which sucks. So it's domestic card only in order to qualify for the Freedom Unlimited. It looks like Nerd Wallet says you need between six ninety and eight fifty, which is between the good and excellent category.
And in order for you to get your credit score for free, I'd recommend going to the website of yours. It's called Credit Sesame Street to Max My Money Dog C. S for Credit Sesame. You go there, you can sign up in 90 seconds, and you don't need to put in a credit card and you can start pulling your credit for pulling all your reports, if you'd like. And all that's for free. You do not need to put a credit card and use my link, Max, my money that exists for credit.
Sesame and I also did a review on Credit Sesame and that link will be in the description to see if it's something that would be useful for you.
I use this card often. I really enjoyed it. There's been no hang ups whatsoever. Easy out of automatic payment through to my checking account, the interface on the website or the app. I've actually never used the app disclosure, but the website's been really simple. I've really enjoyed it. And the only the only issue I have with this card is the rewards are not higher. But you you get the one percent because it's simple. That's what I like.
Simple, easy, no annual fee. Sign me up. Hope you guys enjoyed this video.
If you did like comment and subscribe, I want to know what credit card I should review next. Talk to Sam.