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Chase Freedom and Chase Freedom Unlimited are cash back cards integral to maximizing your earn rate with Chase. The long and short is Chase Freedom has rotating 5x categories ( $1500 max per quarter ), and Chase Freedom Unlimited earns 1.5x on every single purchase you make – no maximum. The goal is to create a Chase ecosystem of cards that give you the best possible rate of return on each purchase you make, and having at least one of these Freedom cards in your wallet is integral. I personally carry a Chase Sapphire Preferred and a Chase Freedom. I also have the business version of the Chase Freedom Unlimited: The Chase Ink Business Unlimited which is how I integrate 1.5x into my wallet. I This allows me to push spend through a variety of Chase cards to earn those valuable Ultimate Rewards, and leave as little points on the table.
Don’t forget that these are technically cash back cards, butttttt you can convert them into Ultimate Rewards and transfer to partners if you carry a premium Chase card like the Sapphire Preferred, or Ink Business Preferred. This is how you can maximize the value of your points and fly in those sweet cabins we all aspire to put our butts in.
Also…if you want to leave a referral our main Chase Refer a Friend page…feel free
Chase Freedom Unlimited 1.5x on unlimited purchases.
The bonuses on these cards vary, and some have gotten targeted offers of 30k/$300 in the past, but those are usually quite specific or in branch. 20k/$200 is a very solid offer. When you factor in that you
In order to hit the bonuses on either card you need only spend $500 in 3 months.
If you’re referring you can earn 10k per referral…and you’ll populate the following. Earn $200/20k Ultimate Rewards after spending $500 in 3 months
No annual fee
Neither of these cards come with annual fees so you’re adding power to your wallet without any added fees. Pretty awesome if you ask me.
Here’s a look at the Chase Freedom 5x Rotating Point Calendar for 2020
Straight to the punch. Every single quarter you’re given the opportunity to earn 5% or 5x on rotating categories, up to $1500 per quarter. We are all buying more groceries this quarter than we would otherwise, or at least I know I am, and voila…you can earn 5x doing so. I do my best to max these bonus categories each and very month…it’ll boost your balance by 30k
Both of these cards are restricted by 5/24 and will add to your 5/24 number
Taxing on referrals
You may receive a 1099 from Chase on your referral bonuses. Historically this has been at $0.01 per point…don’t hold me to that.
Combining with a Chase Premium Card to access Chase Transfer Partners
When you carry a Chase Freedom card alongside a Chase Premium card like a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred, you have the ability to merge points into the premium account and take advantage of transfer partners. Chase has some of the best out there.
Leaving your links
As I do with all my referral pages…I will work through my links, then my friends and family, and once we’ve maxed out our referral bonuses I will integrate your referrals into the body of my post. This gives you the opportunity to earn off the traffic of my page and share in my success with some valuable points. If you’d like to leave your links in the comments section, you’re more than welcome
Thank you for using our links and feel free to leave yours in the comment section
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 60k Bonus Points after $4k Spend in 3 months
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥5x on travel purchased via Chase Travel and 2x everywhere else
♥3x on dining, including eligible delivery services, takeout and dining out
♥3x on select streaming
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points.