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Chase Freedom Unlimited

New cardholders can earn 5% or 5x on up to $12k of grocery purchases ( not including Target or Walmart) in the first 12 months of cardmembership

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%).

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.

You can go here to learn more about combining Chase points.

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 point offer + grocery credit:

• 20k Points ( $200 cashback ) after spending $500 in the first 3 months
• Earn 5x on up to $12k of grocery purchases in the first 12 months of card membership
  • not including Target or Walmart
• Earn 5% on travel purchased through Chase Travel
• 3% on dining
• 3% back on drugstores
• All other purchases on the card will continue to earn 1.5% or 1.5x
• No annual Fee

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 Grocery purchases for the first 12 months of card membership, up to $12k

That’s right folks, excluding Target and Walmart, your can earn 5% back or 5x points on every dollar you spend at grocery stores for the first 12 months of card membership, capped at $12k.

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?

Aside from the 3 categories listed below, you’ll earn 1.5% on every purchase you make.

• Earn 5% on travel purchased through Chase Travel
• 3% on dining at restaurants
• 3% back on drugstores

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 further.

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

What are the transfer partners of Chase Ultimate Rewards?

When you carry your Chase Freedom Unlimited in conjunction with one of the premium cards mentioned above, your points can be merged into the premium account, and then transferred into any of the programs listed below. These transfer partners are the key to accessing aspirational travel and improving the redemption value of your points through each individual partners award chart. This is how we have be able to fly in so many first/business class cabins and stay in 5 star resorts like the Alila Villas Uluwatu.

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 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 😉

Overall

The Chase Freedom Unlimited is a no-brainer credit card that fits into everyone’s wallet. It not only comes with some great category bonuses, but it also guarantees that you’ll never earn less than 1.5x on every purchase you make.