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Chase Freedom Unlimited
This is a fantastic offer, and if you’re currently under 5/24, you should heavily consider it. Chase Freedom Unlimited has been a pillar of the Chase credit card portfolio, and its new benefits only fortify this position. Chase has enriched the earning structure of the card that guarantees 1.5x on all purchases by adding in category bonuses for travel (5%) , dining (3%), and pharmacies (3%), If that wasn’t enough, there is also a limited time offer of 5% back on grocery store spend as well (excluding Target and Walmart).
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. I’ll go Into more detail below, but if you hold a card that earns premium Ultimate Rewards like the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred, you can combine your points so you can access Chase’s rich group of transfer partners. This Is where you can make your aspirational travel dreams come true.
The Chase Freedom Unlimited presents a great way to get massive earn a lot of points on 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.
Chase Freedom Unlimited 20k points and 5x grocery store offer:
- 20k Points ( $200 cashback ) after spending $500 in the first 3 months
- 5x points ( in the form of cash back ) on all purchases at grocery stores ( not including Target and Walmart ) for your first year of card-membership up to $12k total – after that you’ll earn at 1.5x.
- Earn 5% on travel purchased through Chase,
- 3% on dining at restaurants and
- 3% back on drugstores
- All other purchases on the card will continue to earn 1.5% or 1.5x
- No annual Fee
For a limited time Chase Freedom Unlimited is offering 5x on grocery stores purchases for 12 months
Yes, this is for real. For the first 12 months of card membership you can earn 5x points on every single grocery store purchase you make, up to $12k. Note, this excludes Target and Walmart which some people use to do their grocery shopping.
This is an outstanding way to earn 60k points in your first year.
Let’s talk about these new 5x and 3x categories
In September, Chase added 3 new categories to earn more than the standard 1.5x earn rate that the Chase Freedom Unlimited gets everywhere.
5x on Travel via Chase Travel
The first is travel purchased via Chase Travel. This is a fantastic new benefit and an incentive to check Chase Travel ( which is powered by Expedia ) to earn that 5x rate.
3x on Dining
The second category makes dining and delivery more rewarding. The Chase Freedom Unlimited will now earn 3x on dining and qualifying delivery services. This is a great rate of return, especially on a card that doesn’t carry an annual fee
3x on pharmacy purchases
Whether you’re getting your vitamin C, allergy tablets, or stocking up on some toilet paper – you’ll now get 3x on pharmacy purchases with the Chase Freedom Unlimited
This is what makes this Chase Freedom Unlimited an absolutely stellar card. We are talking about new ways to earn heaps of points on your everyday purchases, and there isn’t even an annual fee. AND…when you’re in doubt – you’re guaranteed 1.5x on every single purchase without limit.
What do you mean cashback vs Ultimate Rewards?
The Chase Freedom Unlimited credit card is a cash back card. So by its very nature you’ll earn your points or rewards in the form of Ultimate Rewards which can be used as cashback/statement credit. However, since its in the family of Ultimate Reward cards you can transfer your points from the Chase Freedom Unlimited to one of the premium cards 1:1 and then transfer them to partners.
How does the Chase Freedom Unlimited earn points?
With this offer, you’ll earn 5x points on purchases made at grocery stores ( excluding Target and Walmart) for the first year, up to $12k. After that, you’ll earn 1.5x points. You’ll also get a $200, or 20k point, bonus after spending $500 in 3 months.
Is there a welcome offer or bonus for signing up for the Chase Freedom Unlimited?
Yep, you’ll get $200, or 20k Ultimate Rewards, after spending $500 in the first 3 months.
0% Interest for the first 15 months.
That’s right. Currently, Chase is offering 0% interest on purchases for the first 15 months.
Explaining the cashback to Ultimate Reward aspect futher.
The Chase Freedom Unlimited is a cashback card, meaning the Ultimate Rewards you earn can’t be transferred into the partner programs that we so often speak about. However…if you carry either a Chase Sapphire Preferred or a Chase Sapphire Reserve, you can move them into one of those accounts and then transfer.
- Chase Sapphire Preferred
- Chase Sapphire Reserve
- Chase Ink Business Preferred
How does this card help me reach my travel goals?
It guarantees a great 1.5x base rate on your standard purchases, but also 5x on grocery store purchases – allllll without an annual fee. Let’s say you already have a Chase Freedom or Freedom Flex which earns 5x points on rotating categories throughout the year, and an 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 😉
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 because it earns 3-5x on select categories + Enjoy 5x on groceries up to $12k a year + $200/20k welcome bonus and no annual fee!
♥ Earn 20k Bonus Points or $200 after $500 Spend in 3 months
♥5x on travel booked with Chase Travel, 5x on rotating quarterly categories ( capped at $1500 per quarter )
♥5x on grocery stores, up to $12k ( no Target/WalMart) on your first 12 months of cardmembership
♥3x on all dining and qualifying delivery apps
♥0% interest on new purchases for 15 months