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Sign up for the Chase Freedom Unlimited® Card to earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
Now, comparatively, the Chase Freedom Unlimited® doesn’t offer the 5% category that the Chase Freedom® offers, but you could earn an unlimited Chase Ultimate Rewards® points everywhere. Plus, this card will have an attractive $0 annual fee attached to it!
It also makes up the lack of bonus categories by being a exceptional daily credit credit to make purchases in a means of convenience and flexibility. Chase emphasizes that this card will have no minimum to redeem for cash back. Not only that, but cardholders can redeem their cashback anytime and anywhere.
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Table of Contents
Chase Freedom Unlimited Card Summary
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Redeeming Cash Rewards
Redeem your rewards for gift cards, Amazon purchases, travel, and cash back. Points are generally worth 1 cent apiece, and redeeming is very straightforward on the Chase Ultimate Rewards® portal.
However, you can earn better redemption value when you transfer your rewards to a Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® Card.
When you redeem rewards on the Chase Sapphire Preferred® Card through Chase’s travel portal, you’ll get 1.25 cents per point. With the Chase Sapphire Reserve®, you can get 1.5 cents per point. You can also transfer points at a 1:1 ratio to major loyalty programs. These include United Airlines, Southwest Airlines, and SPG/Marriott. You can potentially get an even higher rewards rate with these loyalty programs.
Earning Chase Freedom Unlimited Bonus
This credit card has a different sign-up bonus than most others. New cardholders earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Here are some ideas to meet the spending requirement:
| • Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review. |
| • Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank. |
| • Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay. |
| • Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees. |
Earn Cash Back
With the Chase Freedom Unlimited®, you earn a flat 1.5% cash back on all purchases in the form of 1.5 Ultimate Rewards® points per dollar spent. There are no limits or caps to how much you can earn.
No need to keep track of bonus categories with the Chase Freedom Unlimited®. This card earns a flat 1.5% cash back on all purchases in the form of Chase Ultimate Rewards® points. In this program, each point is worth 1 cent apiece. There are no limits or caps to how much you can earn.
For a straight-up cash-back card, 1.5% isn’t bad, but it also isn’t great. It’s cash back rewards rate can be better. However, if you’re looking to turn your rewards into more than just cash in your pocket, the Freedom Unlimited can be even better when you redeem for other rewards.
Redeem Rewards
Chase Freedom Unlimited® rewards are accumulated as points through the Chase Ultimate Rewards program. Points can be redeemed for many options, including gift cards, Amazon purchases, travel, and cash back. Points are generally worth 1 cent per point in this manner.
Earn More Ultimate Rewards Points
Did you know? You can combine Ultimate Rewards points from all Chase products that earn them. The Chase Sapphire℠ Checking account is offering bonus Ultimate Rewards points when you sign up today. Read our Chase Sapphire℠ Checking review.
 The United ClubSM Infinite Card offer entails: With this card, you'll earn: • 4X miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. • 2X miles per $1 spent on all other travel • 2X miles per $1 spent on dining • 1X mile per $1 spent on all other purchases Plus, you'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card. This card does carry an annual fee of $0 for the first year, then $525. However, you can get up to $100 Global Entry or TSA PrecheckTM Fee Credit. In addition, you'll get a savings of up to $320 per roundtrip by getting your first and second checked bags for free! |
Maximize Value With Chase Freedom Unlimited Card
The Chase Freedom Unlimited® is a good card on its own, but it’s even better as a companion to other Chase cards. With more than one Chase card, you could:
- Earn more by splitting your spending between this card and the Chase Freedom® Card.
- The Chase Freedom® earns 5% cash back in quarterly rotating categories and 1% on everything else. Use the Chase Freedom® for purchases in the bonus categories and the Chase Freedom Unlimited® on all other spending to boost your overall rewards earnings. Plus, you can transfer rewards from one account to the other and redeem them all at once.
- Get better redemption value by transferring your rewards to the Chase Sapphire Preferred® Card, Chase Ink Business Preferred℠ Credit Card, or the Chase Sapphire Reserve® Card.
- If you transfer rewards earned on your Chase Freedom Unlimited® to either Sapphire-branded card, you get more rewards and better redemption options. When you redeem rewards on the Chase Sapphire Preferred® or the Chase Ink Business Preferred℠ through Chase’s travel portal, you’ll get 1.25 cents per point. With the Chase Sapphire Reserve®, you can get 1.5 cents per point. You can also transfer points at a 1:1 ratio to major loyalty programs. These include United Airlines, Southwest Airlines, and SPG/Marriott. You can potentially get an even higher rewards rate.
Either way, you’d earn much more than you would if the Chase Freedom Unlimited® were your only card.
In addition, the Chase Freedom Unlimited® is relatively easy to be approved for. Plus, it can help you build a relationship with Chase if this is going to be your first Chase card so you can get their more valuable cards later. These include the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve® Card.
Conclusion
Sign up for the Chase Freedom Unlimited® today! Also, you’ll receive an attractive cash back with every purchase made anywhere, anytime. Not only that, but you’ll be able to redeem your points for cashback with no minimum. Don’t forget this credit card’s attractive $0 annual fee!
The Freedom Unlimited® offers convenience and flexibility all in a well-rounded credit card, making it a very efficient everyday credit card. This could be an excellent addition for Chase cardholders. Make sure you check to see if you’re eligible for this credit card concerning the Chase’s 5/24 policy. Don’t forget to check out our full list of credit card promotions if you’re not interested at the moment.
Bankcheckingsavings has partnered with CardRatings for our coverage of credit card products. Bankcheckingsavings and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
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