![]() No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.24% – 28.99%.Cash Back rewards do not expire as long as your account is open! No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S.After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!.We explored the murky territory of annual fee refunds and have compiled a list of the most popular credit card issuers’ policies, as well as some tips to help you evaluate if and when you should cancel a credit card. If you’re canceling a card, you’ll want to avoid paying the annual fee if possible.īut what if it’s already posted to your account? Can you still cancel the card and have the fee returned? There are many things to consider before canceling a card, but once you’ve decided to pull the trigger, it’s important to do so at the right time. Because card issuers often change benefits, cards may become less useful or no longer relevant to your spending patterns in terms of rewards offered. ![]() The card with the handsome welcome bonus might not be so appealing when the annual fee comes due. Only your card issuer will be able to tell you for sure.Ĭredit cardholders should periodically go through their portfolio of credit cards and decide which ones to keep and, perhaps more importantly, which ones to cancel. It varies highly by issuer and is not always guaranteed. You usually have about 30 days after an annual fee is incurred-sometimes more, sometimes less. ![]() Usually, yes-many card issuers will refund an annual fee if you close the account and request a refund quickly enough. ![]()
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