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Chase Freedom Unlimited®
The Chase Freedom Unlimited® has been a pillar of the Chase credit card portfolio for years now, and there are two great offers for you to consider. Both of them are attractive in their own individual ways depending on the categories you spend the most money on.
As is our practice, we always want to provide you with the best deals, and in this case, they both have merit and come down to individual preference, so we offer links to both offers.
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a no annual fee card that earns an unlimited 1.5x on all purchases and is a great everyday card in the USA.
It’s a fantastic card for those who prefer cash-back, OR to pair with either the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Welcome Offer
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year
Annual Fee
$0
Points Earned
Cashback/ Non-transferrable Ultimate Rewards
- 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!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 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
- 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent,
- enjoy 5% cash back on travel purchased through Chase Travel℠,
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
- Unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Everyone needs a credit card that earns more than 1 point per dollar. The Chase Freedom Unlimited® earns an unlimited 1.5x on all purchases + has bonus categories for dining, pharmacies, and travel.
Points that you earn from this card can be combined with those from a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® and then transferred to partner programs. You can read more about that here.
Chase Freedom Unlimited® extra 1.5x up to $20k
- Up to 3x cash back on all purchases
- 1.5x up front when you purchase
- 1.5x bonus first year up to $20k total combine purchases
- Up to 4.5x cash back on drugstore purchases
- 3x up front when you purchase
- 1.5x bonus first year up to $20k total combine purchases
- Up to 4.5x cash back on dining at restaurants, including takeout and eligible delivery services
- 3x up front when you purchase
- 1.5x bonus first year up to $20k total combine purchases
- 6.5x cash back on travel purchased through Chase Travel(SM)
- 5x up front when you purchase
- 1.5x bonus first year up to $20k total combine purchases
- No annual fee
- Member FDIC
Pairing Chase Freedom Flex® with Chase Sapphire Preferred® ( or Sapphire Reserve®, Ink Business Preferred®) makes your points transferrable
The Chase Freedom Unlimited® credit card is a cash back card when held on its own. This means you’ll earn your points or rewards in the form of Ultimate Rewards which can be used as cashback/statement credit or within Chase Travel(SM) at a penny a point.
However, since it’s in the family of Ultimate Reward cards, if you hold any of these Ultimate Reward cards concurrently
you can transfer your points from the Chase Freedom Unlimited® to one of the premium cards 1:1. You can go here to learn more about combining Chase points. It’s super simple and looks like this:
This would give you access to Chase’s great list of transfer partners so you could potentially get even more value.
Below is a picture of the Lufthansa First Class – You can book for 100k Aeroplan miles which Is transfer partner of Chase Ultimate Rewards (available when this card is paired a premium Chase credit card like the Chase Sapphire Preferred )
Chase Freedom Unlimited®
The Chase Freedom Unlimited® is a no annual fee card that earns an unlimited 1.5x on all purchases and is a great everyday card in the USA.
It’s a fantastic card for those who prefer cash-back, OR to pair with either the Chase Sapphire Preferred® or Chase Sapphire Reserve®.
Welcome Offer
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year
Annual Fee
$0
Points Earned
Cashback/ Non-transferrable Ultimate Rewards
- 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!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 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
- 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent,
- enjoy 5% cash back on travel purchased through Chase Travel℠,
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
- Unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Everyone needs a credit card that earns more than 1 point per dollar. The Chase Freedom Unlimited® earns an unlimited 1.5x on all purchases + has bonus categories for dining, pharmacies, and travel.
Points that you earn from this card can be combined with those from a Chase Sapphire Preferred®, Chase Sapphire Reserve® or Chase Ink Business Preferred® and then transferred to partner programs. You can read more about that here.
Is there a welcome offer or bonus for signing up for the Chase Freedom Unlimited?
There are two offers that are both competitive and listed above. You can also find our spreadsheet on the best current offers as well as the best ever offers here.
How does this card help me reach my travel goals?
It guarantees a great 1.5x base rate on your standard purchases allllll without an annual fee. Let’s say you already have a Chase Freedom Flex® which earns 5x points on rotating categories throughout the year, and an Chase Ink Business Preferred® which gives you access to transfer partners. But what about those expenses you’re missing out on? This card would help fill in the gaps so that you’re maximizing your rate of return on purchases everywhere. Achieving your travel goals is about continually increasing your point balance, and then taking advantage of award availability to get more lux for less bucks 😉
Overall
While the Chase Freedom Unlimited is technically a cash back card you can convert your Freedom Unlimited Cash Back into premium Ultimate Rewards by moving the rewards between accounts. This means that you can earn even more premium Ultimate Rewards when you hold the Freedom Unlimited alongside cards like the Chase Sapphire Preferred®, Chase Sapphire Reserve®, or Chase Ink Business Preferred®.
The Chase Freedom Unlimited® presents a great way to get massive earn a lot of points where you spend money the most + guarantee 1.5x on all purchases. This helps you get closer to those amazing first class seats and 5 star hotel rooms we so often blog about.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.