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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 is technically a cash back card, so you’ll see the offer structure the spend bonus as 5% back on grocery store purchases ( no Target or Walmart)  up to $12k. But, if you carry any Chase card that earns Ultimate Rewards, you can convert your Freedom Unlimited Cash Back into Ultimate Rewards. You can go here to learn how to do it.  This is one of my favorite offers on this card because it not only offers

I’ll break down the strategy below, but it’s a great way to get massive earn on your every day spend + grocery store purchases to get closer to that aspirational redemption of your dreams.

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.
• All other purchases on the card will continue to earn 1.5% or 1.5x
• No annual Fee

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 make 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 which earns 5x points on rotating categories throughout the year, and an Ink Business Preferred for your business that gets 3x for travel. 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. Everything is about continually increasing your point balance, and then taking advantage of award availability to get more lux for less bucks 😉