We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Monkey Miles is also a Senior Advisor to Bilt Rewards Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!

---

Chase Freedom Unlimited

New cardholders can earn a bonus 1.5x on everything up to $20k of purchases in the first 12 months of cardmembership

Chase Freedom Unlimited has been a pillar of the Chase credit card portfolio, and this new offer of another 1.5x on top of already incredible bonus categories makes it a no brainer. Ordinarily, Chase  the earning structure of the guarantees 1.5x on all purchases, Chase travel (5%) , dining (3%), and pharmacies (3%). The new offer adds an additional 1.5x on top of these. This creates an opportunity to earn 30k bonus points if you were to max out – let’s take a look!

The New Chase Freedom Unlimited Bonus 1.5x Offer up to $20k

• No Annual Fee
• Earn 5x Earn 6.5x on travel purchased through Chase Travel
  • Drops back to 5x after a cumulative $20k in purchases are made or 12 months
• Earn 3x  Earn 4.5x on dining
  • Drops back to 3x after a cumulative $20k in purchases are made or 12 months
• Earn 3x Earn 4.5x  on drugstores
  • Drops back to 3x after a cumulative $20k in purchases are made or 12 months
• Earn 1.5x Earn 3x on All other purchases on the card
  • Drops back to 1.5x after a cumulative $20k in purchases are made or 12 months

These bonus categories are what make 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.

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.

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 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 in concurrently

• Chase Sapphire Preferred
• Chase Sapphire Reserve
• Chase Ink Business Preferred

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 )

Is there a welcome offer or bonus for signing up for the Chase Freedom Unlimited?

The welcome offer is the bonus 1.5x you’ll earn on everything for the first 12 months of card membership capped at $20k in total purchases across all categories.

0% Interest for the first 15 months.

That’s right. Currently, Chase is offering 0% interest on purchases for the first 15 months.

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.