Chase Freedom Unlimited 0% APR & payoff plan.
A 15-month 0% APR on both purchases and balance transfers, with no annual fee. Useful for a planned purchase you can clear in just over a year.
Terms last verified Oct 6, 2026 from the issuer page. Always confirm current terms with the issuer before applying.
- 0% on purchases
- 15 months
- 0% on transfers
- 15 months
- Balance transfer fee
- 3% intro, then 5%
- Regular APR
- 18.49% to 27.99% variable
- Annual fee
- $0
- Issuer
- Chase
- Category
- Cash Back
Promo APR details
Both 0% windows run 15 months from account opening, so a transfer made later gets only what is left. Transfers in the first 60 days cost 3% (min $5); after that, 5% (min $5).
Payoff strategy
Divide the promo balance by 15. Pay at least that every month. Cardinate will recompute the number as the balance moves so you land at zero before month 16.
When this card makes sense
The Chase Freedom Unlimited is most useful when the offer matches the job. If you are paying down existing debt, the 15 months 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 15 months 0% purchase window. After the promo ends, the 18.49% to 27.99% variable regular APR is expensive, so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.